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$63,765
−HK$3,998/mo
▼ 0.25% · 3.875%
HK$65,748
−HK$2,015/mo
Today · 4.125%
HK$67,763
baseline
▲ 0.50% · 4.625%
HK$71,886
+HK$4,123/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$135,526/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,937
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,840
−HK$1,930/mo
Today · 4.125%
HK$74,770
baseline
▲ 0.50% · 4.625%
HK$78,711
+HK$3,941/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$149,540/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,517
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,898
−HK$2,418/mo
Today · 4.125%
HK$81,316
baseline
▲ 0.50% · 4.625%
HK$86,264
+HK$4,948/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$162,632/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,125
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,408
−HK$2,316/mo
Today · 4.125%
HK$89,724
baseline
▲ 0.50% · 4.625%
HK$94,453
+HK$4,729/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$179,448/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,270
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$92,047
−HK$2,821/mo
Today · 4.125%
HK$94,868
baseline
▲ 0.50% · 4.625%
HK$100,641
+HK$5,773/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$189,736/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,312
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$101,976
−HK$2,702/mo
Today · 4.125%
HK$104,678
baseline
▲ 0.50% · 4.625%
HK$110,196
+HK$5,518/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$209,356/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,776
−HK$7,198/mo
▼ 0.25% · 3.875%
HK$118,346
−HK$3,628/mo
Today · 4.125%
HK$121,974
baseline
▲ 0.50% · 4.625%
HK$129,395
+HK$7,421/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$243,948/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,687
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$131,112
−HK$3,474/mo
Today · 4.125%
HK$134,586
baseline
▲ 0.50% · 4.625%
HK$141,680
+HK$7,094/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$269,172/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,460 · Scale 2, in force from 26 Feb 2026)