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$63,497
−HK$3,982/mo
▼ 0.25% · 3.875%
HK$65,472
−HK$2,007/mo
Today · 4.125%
HK$67,479
baseline
▲ 0.50% · 4.625%
HK$71,585
+HK$4,106/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,958/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,640
−HK$3,816/mo
▼ 0.25% · 3.875%
HK$72,534
−HK$1,922/mo
Today · 4.125%
HK$74,456
baseline
▲ 0.50% · 4.625%
HK$78,381
+HK$3,925/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,912/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,196
−HK$4,778/mo
▼ 0.25% · 3.875%
HK$78,566
−HK$2,408/mo
Today · 4.125%
HK$80,974
baseline
▲ 0.50% · 4.625%
HK$85,901
+HK$4,927/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$161,948/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,768
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$87,041
−HK$2,306/mo
Today · 4.125%
HK$89,347
baseline
▲ 0.50% · 4.625%
HK$94,057
+HK$4,710/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,694/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,896
−HK$5,574/mo
▼ 0.25% · 3.875%
HK$91,661
−HK$2,809/mo
Today · 4.125%
HK$94,470
baseline
▲ 0.50% · 4.625%
HK$100,218
+HK$5,748/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$188,940/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,895
−HK$5,343/mo
▼ 0.25% · 3.875%
HK$101,548
−HK$2,690/mo
Today · 4.125%
HK$104,238
baseline
▲ 0.50% · 4.625%
HK$109,733
+HK$5,495/mo
Deposit HK$8.35M · loan HK$19.49M · min. income ≈ HK$208,476/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,294
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$117,850
−HK$3,612/mo
Today · 4.125%
HK$121,462
baseline
▲ 0.50% · 4.625%
HK$128,852
+HK$7,390/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$242,924/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,151
−HK$6,870/mo
▼ 0.25% · 3.875%
HK$130,561
−HK$3,460/mo
Today · 4.125%
HK$134,021
baseline
▲ 0.50% · 4.625%
HK$141,085
+HK$7,064/mo
Deposit HK$2.78M · loan HK$25.06M · min. income ≈ HK$268,042/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,471 · Scale 2, in force from 26 Feb 2026)