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$63,694
−HK$3,994/mo
▼ 0.25% · 3.875%
HK$65,675
−HK$2,013/mo
Today · 4.125%
HK$67,688
baseline
▲ 0.50% · 4.625%
HK$71,807
+HK$4,119/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$135,376/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,187,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,859
−HK$3,828/mo
▼ 0.25% · 3.875%
HK$72,759
−HK$1,928/mo
Today · 4.125%
HK$74,687
baseline
▲ 0.50% · 4.625%
HK$78,624
+HK$3,937/mo
Deposit HK$13.97M · loan HK$13.97M · min. income ≈ HK$149,374/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,187,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,433
−HK$4,793/mo
▼ 0.25% · 3.875%
HK$78,810
−HK$2,416/mo
Today · 4.125%
HK$81,226
baseline
▲ 0.50% · 4.625%
HK$86,168
+HK$4,942/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$162,452/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,031
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$87,311
−HK$2,314/mo
Today · 4.125%
HK$89,625
baseline
▲ 0.50% · 4.625%
HK$94,349
+HK$4,724/mo
Deposit HK$11.17M · loan HK$16.76M · min. income ≈ HK$179,250/mo (50% DSR)
Upfront cash ≈ HK$12.36M (deposit + AVD stamp duty HK$1,187,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,171
−HK$5,592/mo
▼ 0.25% · 3.875%
HK$91,945
−HK$2,818/mo
Today · 4.125%
HK$94,763
baseline
▲ 0.50% · 4.625%
HK$100,529
+HK$5,766/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$189,526/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,202
−HK$5,360/mo
▼ 0.25% · 3.875%
HK$101,863
−HK$2,699/mo
Today · 4.125%
HK$104,562
baseline
▲ 0.50% · 4.625%
HK$110,074
+HK$5,512/mo
Deposit HK$8.38M · loan HK$19.55M · min. income ≈ HK$209,124/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$1,187,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,649
−HK$7,190/mo
▼ 0.25% · 3.875%
HK$118,215
−HK$3,624/mo
Today · 4.125%
HK$121,839
baseline
▲ 0.50% · 4.625%
HK$129,252
+HK$7,413/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$243,678/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,546
−HK$6,891/mo
▼ 0.25% · 3.875%
HK$130,967
−HK$3,470/mo
Today · 4.125%
HK$134,437
baseline
▲ 0.50% · 4.625%
HK$141,523
+HK$7,086/mo
Deposit HK$2.79M · loan HK$25.14M · min. income ≈ HK$268,874/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,187,144 · Scale 2, in force from 26 Feb 2026)