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$63,625
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,605
−HK$2,010/mo
Today · 4.125%
HK$67,615
baseline
▲ 0.50% · 4.625%
HK$71,730
+HK$4,115/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,230/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,783
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,681
−HK$1,926/mo
Today · 4.125%
HK$74,607
baseline
▲ 0.50% · 4.625%
HK$78,539
+HK$3,932/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,214/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,351
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,725
−HK$2,413/mo
Today · 4.125%
HK$81,138
baseline
▲ 0.50% · 4.625%
HK$86,075
+HK$4,937/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,276/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,939
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,217
−HK$2,311/mo
Today · 4.125%
HK$89,528
baseline
▲ 0.50% · 4.625%
HK$94,247
+HK$4,719/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$179,056/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,076
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,846
−HK$2,815/mo
Today · 4.125%
HK$94,661
baseline
▲ 0.50% · 4.625%
HK$100,421
+HK$5,760/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,322/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,096
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,753
−HK$2,697/mo
Today · 4.125%
HK$104,450
baseline
▲ 0.50% · 4.625%
HK$109,955
+HK$5,505/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,900/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,526
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$118,088
−HK$3,620/mo
Today · 4.125%
HK$121,708
baseline
▲ 0.50% · 4.625%
HK$129,113
+HK$7,405/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$243,416/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,409
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$130,826
−HK$3,466/mo
Today · 4.125%
HK$134,292
baseline
▲ 0.50% · 4.625%
HK$141,371
+HK$7,079/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$268,584/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,868 · Scale 2, in force from 26 Feb 2026)