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$63,506
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,481
−HK$2,007/mo
Today · 4.125%
HK$67,488
baseline
▲ 0.50% · 4.625%
HK$71,594
+HK$4,106/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$134,976/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,649
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,544
−HK$1,922/mo
Today · 4.125%
HK$74,466
baseline
▲ 0.50% · 4.625%
HK$78,391
+HK$3,925/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$148,932/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,207
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,577
−HK$2,408/mo
Today · 4.125%
HK$80,985
baseline
▲ 0.50% · 4.625%
HK$85,913
+HK$4,928/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$161,970/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,779
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,053
−HK$2,306/mo
Today · 4.125%
HK$89,359
baseline
▲ 0.50% · 4.625%
HK$94,070
+HK$4,711/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,718/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,908
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,673
−HK$2,810/mo
Today · 4.125%
HK$94,483
baseline
▲ 0.50% · 4.625%
HK$100,232
+HK$5,749/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$188,966/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,909
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,562
−HK$2,691/mo
Today · 4.125%
HK$104,253
baseline
▲ 0.50% · 4.625%
HK$109,748
+HK$5,495/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$208,506/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,310
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$117,866
−HK$3,612/mo
Today · 4.125%
HK$121,478
baseline
▲ 0.50% · 4.625%
HK$128,870
+HK$7,392/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$242,956/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,169
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$130,579
−HK$3,460/mo
Today · 4.125%
HK$134,039
baseline
▲ 0.50% · 4.625%
HK$141,105
+HK$7,066/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$268,078/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,633 · Scale 2, in force from 26 Feb 2026)