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$63,546
−HK$3,985/mo
▼ 0.25% · 3.875%
HK$65,523
−HK$2,008/mo
Today · 4.125%
HK$67,531
baseline
▲ 0.50% · 4.625%
HK$71,640
+HK$4,109/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$135,062/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,694
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$72,590
−HK$1,924/mo
Today · 4.125%
HK$74,514
baseline
▲ 0.50% · 4.625%
HK$78,442
+HK$3,928/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$149,028/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,255
−HK$4,782/mo
▼ 0.25% · 3.875%
HK$78,627
−HK$2,410/mo
Today · 4.125%
HK$81,037
baseline
▲ 0.50% · 4.625%
HK$85,968
+HK$4,931/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$162,074/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,833
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,109
−HK$2,308/mo
Today · 4.125%
HK$89,417
baseline
▲ 0.50% · 4.625%
HK$94,130
+HK$4,713/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$178,834/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,965
−HK$5,578/mo
▼ 0.25% · 3.875%
HK$91,732
−HK$2,811/mo
Today · 4.125%
HK$94,543
baseline
▲ 0.50% · 4.625%
HK$100,296
+HK$5,753/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$189,086/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,184,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,972
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,627
−HK$2,692/mo
Today · 4.125%
HK$104,319
baseline
▲ 0.50% · 4.625%
HK$109,818
+HK$5,499/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$208,638/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,184,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,383
−HK$7,173/mo
▼ 0.25% · 3.875%
HK$117,941
−HK$3,615/mo
Today · 4.125%
HK$121,556
baseline
▲ 0.50% · 4.625%
HK$128,952
+HK$7,396/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$243,112/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,390 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,250
−HK$6,875/mo
▼ 0.25% · 3.875%
HK$130,663
−HK$3,462/mo
Today · 4.125%
HK$134,125
baseline
▲ 0.50% · 4.625%
HK$141,195
+HK$7,070/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$268,250/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,390 · Scale 2, in force from 26 Feb 2026)