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$63,442
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,416
−HK$2,005/mo
Today · 4.125%
HK$67,421
baseline
▲ 0.50% · 4.625%
HK$71,523
+HK$4,102/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,842/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,579
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,472
−HK$1,920/mo
Today · 4.125%
HK$74,392
baseline
▲ 0.50% · 4.625%
HK$78,313
+HK$3,921/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,784/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,131
−HK$4,774/mo
▼ 0.25% · 3.875%
HK$78,499
−HK$2,406/mo
Today · 4.125%
HK$80,905
baseline
▲ 0.50% · 4.625%
HK$85,828
+HK$4,923/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$161,810/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,695
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$86,966
−HK$2,305/mo
Today · 4.125%
HK$89,271
baseline
▲ 0.50% · 4.625%
HK$93,976
+HK$4,705/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$178,542/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,819
−HK$5,570/mo
▼ 0.25% · 3.875%
HK$91,582
−HK$2,807/mo
Today · 4.125%
HK$94,389
baseline
▲ 0.50% · 4.625%
HK$100,132
+HK$5,743/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$188,778/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,811
−HK$5,338/mo
▼ 0.25% · 3.875%
HK$101,461
−HK$2,688/mo
Today · 4.125%
HK$104,149
baseline
▲ 0.50% · 4.625%
HK$109,639
+HK$5,490/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$208,298/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,196
−HK$7,161/mo
▼ 0.25% · 3.875%
HK$117,748
−HK$3,609/mo
Today · 4.125%
HK$121,357
baseline
▲ 0.50% · 4.625%
HK$128,742
+HK$7,385/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$242,714/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,042
−HK$6,864/mo
▼ 0.25% · 3.875%
HK$130,449
−HK$3,457/mo
Today · 4.125%
HK$133,906
baseline
▲ 0.50% · 4.625%
HK$140,964
+HK$7,058/mo
Deposit HK$2.78M · loan HK$25.04M · min. income ≈ HK$267,812/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,455 · Scale 2, in force from 26 Feb 2026)