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$63,555
−HK$3,986/mo
▼ 0.25% · 3.875%
HK$65,532
−HK$2,009/mo
Today · 4.125%
HK$67,541
baseline
▲ 0.50% · 4.625%
HK$71,650
+HK$4,109/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,082/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,705
−HK$3,820/mo
▼ 0.25% · 3.875%
HK$72,601
−HK$1,924/mo
Today · 4.125%
HK$74,525
baseline
▲ 0.50% · 4.625%
HK$78,453
+HK$3,928/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,050/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,266
−HK$4,783/mo
▼ 0.25% · 3.875%
HK$78,639
−HK$2,410/mo
Today · 4.125%
HK$81,049
baseline
▲ 0.50% · 4.625%
HK$85,981
+HK$4,932/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$162,098/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,846
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$87,121
−HK$2,309/mo
Today · 4.125%
HK$89,430
baseline
▲ 0.50% · 4.625%
HK$94,143
+HK$4,713/mo
Deposit HK$11.15M · loan HK$16.72M · min. income ≈ HK$178,860/mo (50% DSR)
Upfront cash ≈ HK$12.33M (deposit + AVD stamp duty HK$1,184,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,977
−HK$5,580/mo
▼ 0.25% · 3.875%
HK$91,745
−HK$2,812/mo
Today · 4.125%
HK$94,557
baseline
▲ 0.50% · 4.625%
HK$100,311
+HK$5,754/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$189,114/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,987
−HK$5,347/mo
▼ 0.25% · 3.875%
HK$101,641
−HK$2,693/mo
Today · 4.125%
HK$104,334
baseline
▲ 0.50% · 4.625%
HK$109,834
+HK$5,500/mo
Deposit HK$8.36M · loan HK$19.51M · min. income ≈ HK$208,668/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,400
−HK$7,173/mo
▼ 0.25% · 3.875%
HK$117,958
−HK$3,615/mo
Today · 4.125%
HK$121,573
baseline
▲ 0.50% · 4.625%
HK$128,971
+HK$7,398/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$243,146/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,561 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,268
−HK$6,876/mo
▼ 0.25% · 3.875%
HK$130,682
−HK$3,462/mo
Today · 4.125%
HK$134,144
baseline
▲ 0.50% · 4.625%
HK$141,215
+HK$7,071/mo
Deposit HK$2.79M · loan HK$25.08M · min. income ≈ HK$268,288/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,561 · Scale 2, in force from 26 Feb 2026)