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$63,621
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,600
−HK$2,010/mo
Today · 4.125%
HK$67,610
baseline
▲ 0.50% · 4.625%
HK$71,724
+HK$4,114/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,220/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,777
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,676
−HK$1,925/mo
Today · 4.125%
HK$74,601
baseline
▲ 0.50% · 4.625%
HK$78,534
+HK$3,933/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,202/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,345
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,720
−HK$2,412/mo
Today · 4.125%
HK$81,132
baseline
▲ 0.50% · 4.625%
HK$86,069
+HK$4,937/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,264/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,933
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,211
−HK$2,311/mo
Today · 4.125%
HK$89,522
baseline
▲ 0.50% · 4.625%
HK$94,240
+HK$4,718/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$179,044/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,069
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,840
−HK$2,814/mo
Today · 4.125%
HK$94,654
baseline
▲ 0.50% · 4.625%
HK$100,414
+HK$5,760/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,308/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,088
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,746
−HK$2,696/mo
Today · 4.125%
HK$104,442
baseline
▲ 0.50% · 4.625%
HK$109,947
+HK$5,505/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,884/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,517
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$118,079
−HK$3,620/mo
Today · 4.125%
HK$121,699
baseline
▲ 0.50% · 4.625%
HK$129,104
+HK$7,405/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$243,398/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,399
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$130,816
−HK$3,466/mo
Today · 4.125%
HK$134,282
baseline
▲ 0.50% · 4.625%
HK$141,360
+HK$7,078/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$268,564/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,779 · Scale 2, in force from 26 Feb 2026)