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$63,476
−HK$3,981/mo
▼ 0.25% · 3.875%
HK$65,451
−HK$2,006/mo
Today · 4.125%
HK$67,457
baseline
▲ 0.50% · 4.625%
HK$71,562
+HK$4,105/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,914/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,617
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,511
−HK$1,921/mo
Today · 4.125%
HK$74,432
baseline
▲ 0.50% · 4.625%
HK$78,356
+HK$3,924/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,864/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,183,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,172
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,541
−HK$2,407/mo
Today · 4.125%
HK$80,948
baseline
▲ 0.50% · 4.625%
HK$85,874
+HK$4,926/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$161,896/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,740
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,013
−HK$2,306/mo
Today · 4.125%
HK$89,319
baseline
▲ 0.50% · 4.625%
HK$94,027
+HK$4,708/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$178,638/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,867
−HK$5,573/mo
▼ 0.25% · 3.875%
HK$91,631
−HK$2,809/mo
Today · 4.125%
HK$94,440
baseline
▲ 0.50% · 4.625%
HK$100,186
+HK$5,746/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,880/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,183,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,864
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$101,515
−HK$2,690/mo
Today · 4.125%
HK$104,205
baseline
▲ 0.50% · 4.625%
HK$109,698
+HK$5,493/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,410/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,183,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,258
−HK$7,165/mo
▼ 0.25% · 3.875%
HK$117,812
−HK$3,611/mo
Today · 4.125%
HK$121,423
baseline
▲ 0.50% · 4.625%
HK$128,811
+HK$7,388/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$242,846/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,111
−HK$6,867/mo
▼ 0.25% · 3.875%
HK$130,520
−HK$3,458/mo
Today · 4.125%
HK$133,978
baseline
▲ 0.50% · 4.625%
HK$141,040
+HK$7,062/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$267,956/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,092 · Scale 2, in force from 26 Feb 2026)