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$63,502
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,477
−HK$2,007/mo
Today · 4.125%
HK$67,484
baseline
▲ 0.50% · 4.625%
HK$71,590
+HK$4,106/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,968/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,645
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,540
−HK$1,922/mo
Today · 4.125%
HK$74,462
baseline
▲ 0.50% · 4.625%
HK$78,387
+HK$3,925/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,924/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,202
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,573
−HK$2,408/mo
Today · 4.125%
HK$80,981
baseline
▲ 0.50% · 4.625%
HK$85,908
+HK$4,927/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$161,962/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,774
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$87,048
−HK$2,306/mo
Today · 4.125%
HK$89,354
baseline
▲ 0.50% · 4.625%
HK$94,064
+HK$4,710/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,708/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,903
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,668
−HK$2,810/mo
Today · 4.125%
HK$94,478
baseline
▲ 0.50% · 4.625%
HK$100,226
+HK$5,748/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,956/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,903
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,556
−HK$2,691/mo
Today · 4.125%
HK$104,247
baseline
▲ 0.50% · 4.625%
HK$109,742
+HK$5,495/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,494/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,303
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$117,859
−HK$3,612/mo
Today · 4.125%
HK$121,471
baseline
▲ 0.50% · 4.625%
HK$128,863
+HK$7,392/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$242,942/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,161
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,572
−HK$3,460/mo
Today · 4.125%
HK$134,032
baseline
▲ 0.50% · 4.625%
HK$141,097
+HK$7,065/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$268,064/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,566 · Scale 2, in force from 26 Feb 2026)