The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$63,689
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,670
−HK$2,013/mo
Today · 4.125%
HK$67,683
baseline
▲ 0.50% · 4.625%
HK$71,801
+HK$4,118/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,366/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,187,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,853
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,754
−HK$1,927/mo
Today · 4.125%
HK$74,681
baseline
▲ 0.50% · 4.625%
HK$78,618
+HK$3,937/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,362/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,187,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,427
−HK$4,792/mo
▼ 0.25% · 3.875%
HK$78,804
−HK$2,415/mo
Today · 4.125%
HK$81,219
baseline
▲ 0.50% · 4.625%
HK$86,161
+HK$4,942/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$162,438/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,024
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,304
−HK$2,314/mo
Today · 4.125%
HK$89,618
baseline
▲ 0.50% · 4.625%
HK$94,342
+HK$4,724/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$179,236/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,165
−HK$5,591/mo
▼ 0.25% · 3.875%
HK$91,938
−HK$2,818/mo
Today · 4.125%
HK$94,756
baseline
▲ 0.50% · 4.625%
HK$100,522
+HK$5,766/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$189,512/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,195
−HK$5,359/mo
▼ 0.25% · 3.875%
HK$101,855
−HK$2,699/mo
Today · 4.125%
HK$104,554
baseline
▲ 0.50% · 4.625%
HK$110,065
+HK$5,511/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$209,108/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,640
−HK$7,189/mo
▼ 0.25% · 3.875%
HK$118,206
−HK$3,623/mo
Today · 4.125%
HK$121,829
baseline
▲ 0.50% · 4.625%
HK$129,242
+HK$7,413/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$243,658/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,536
−HK$6,891/mo
▼ 0.25% · 3.875%
HK$130,957
−HK$3,470/mo
Today · 4.125%
HK$134,427
baseline
▲ 0.50% · 4.625%
HK$141,512
+HK$7,085/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$268,854/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,053 · Scale 2, in force from 26 Feb 2026)