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$63,599
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,577
−HK$2,010/mo
Today · 4.125%
HK$67,587
baseline
▲ 0.50% · 4.625%
HK$71,700
+HK$4,113/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,174/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,753
−HK$3,823/mo
▼ 0.25% · 3.875%
HK$72,651
−HK$1,925/mo
Today · 4.125%
HK$74,576
baseline
▲ 0.50% · 4.625%
HK$78,507
+HK$3,931/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,152/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,319
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,693
−HK$2,412/mo
Today · 4.125%
HK$81,105
baseline
▲ 0.50% · 4.625%
HK$86,040
+HK$4,935/mo
Deposit HK$11.16M · loan HK$16.73M · min. income ≈ HK$162,210/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,904
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$87,181
−HK$2,310/mo
Today · 4.125%
HK$89,491
baseline
▲ 0.50% · 4.625%
HK$94,208
+HK$4,717/mo
Deposit HK$11.16M · loan HK$16.73M · min. income ≈ HK$178,982/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,039
−HK$5,583/mo
▼ 0.25% · 3.875%
HK$91,808
−HK$2,814/mo
Today · 4.125%
HK$94,622
baseline
▲ 0.50% · 4.625%
HK$100,380
+HK$5,758/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$189,244/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,055
−HK$5,351/mo
▼ 0.25% · 3.875%
HK$101,711
−HK$2,695/mo
Today · 4.125%
HK$104,406
baseline
▲ 0.50% · 4.625%
HK$109,910
+HK$5,504/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$208,812/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,479
−HK$7,178/mo
▼ 0.25% · 3.875%
HK$118,039
−HK$3,618/mo
Today · 4.125%
HK$121,657
baseline
▲ 0.50% · 4.625%
HK$129,060
+HK$7,403/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$243,314/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,356
−HK$6,881/mo
▼ 0.25% · 3.875%
HK$130,772
−HK$3,465/mo
Today · 4.125%
HK$134,237
baseline
▲ 0.50% · 4.625%
HK$141,313
+HK$7,076/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$268,474/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,378 · Scale 2, in force from 26 Feb 2026)