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$63,396
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,368
−HK$2,003/mo
Today · 4.125%
HK$67,371
baseline
▲ 0.50% · 4.625%
HK$71,471
+HK$4,100/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,742/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,527
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,419
−HK$1,919/mo
Today · 4.125%
HK$74,338
baseline
▲ 0.50% · 4.625%
HK$78,256
+HK$3,918/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,676/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,075
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$78,442
−HK$2,404/mo
Today · 4.125%
HK$80,846
baseline
▲ 0.50% · 4.625%
HK$85,765
+HK$4,919/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,692/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,633
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$86,903
−HK$2,302/mo
Today · 4.125%
HK$89,205
baseline
▲ 0.50% · 4.625%
HK$93,907
+HK$4,702/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,410/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,754
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,515
−HK$2,805/mo
Today · 4.125%
HK$94,320
baseline
▲ 0.50% · 4.625%
HK$100,059
+HK$5,739/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,640/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,738
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,386
−HK$2,687/mo
Today · 4.125%
HK$104,073
baseline
▲ 0.50% · 4.625%
HK$109,559
+HK$5,486/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,146/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,113
−HK$7,156/mo
▼ 0.25% · 3.875%
HK$117,662
−HK$3,607/mo
Today · 4.125%
HK$121,269
baseline
▲ 0.50% · 4.625%
HK$128,647
+HK$7,378/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$242,538/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,949
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$130,354
−HK$3,454/mo
Today · 4.125%
HK$133,808
baseline
▲ 0.50% · 4.625%
HK$140,861
+HK$7,053/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$267,616/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,590 · Scale 2, in force from 26 Feb 2026)