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$63,506
−HK$3,983/mo
▼ 0.25% · 3.875%
HK$65,482
−HK$2,007/mo
Today · 4.125%
HK$67,489
baseline
▲ 0.50% · 4.625%
HK$71,595
+HK$4,106/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$134,978/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,650
−HK$3,817/mo
▼ 0.25% · 3.875%
HK$72,545
−HK$1,922/mo
Today · 4.125%
HK$74,467
baseline
▲ 0.50% · 4.625%
HK$78,393
+HK$3,926/mo
Deposit HK$13.93M · loan HK$13.93M · min. income ≈ HK$148,934/mo (50% DSR)
Upfront cash ≈ HK$15.11M (deposit + AVD stamp duty HK$1,183,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,208
−HK$4,779/mo
▼ 0.25% · 3.875%
HK$78,578
−HK$2,409/mo
Today · 4.125%
HK$80,987
baseline
▲ 0.50% · 4.625%
HK$85,914
+HK$4,927/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$161,974/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,780
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$87,054
−HK$2,307/mo
Today · 4.125%
HK$89,361
baseline
▲ 0.50% · 4.625%
HK$94,071
+HK$4,710/mo
Deposit HK$11.14M · loan HK$16.71M · min. income ≈ HK$178,722/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,183,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,909
−HK$5,575/mo
▼ 0.25% · 3.875%
HK$91,675
−HK$2,809/mo
Today · 4.125%
HK$94,484
baseline
▲ 0.50% · 4.625%
HK$100,233
+HK$5,749/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$188,968/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,910
−HK$5,344/mo
▼ 0.25% · 3.875%
HK$101,563
−HK$2,691/mo
Today · 4.125%
HK$104,254
baseline
▲ 0.50% · 4.625%
HK$109,750
+HK$5,496/mo
Deposit HK$8.36M · loan HK$19.50M · min. income ≈ HK$208,508/mo (50% DSR)
Upfront cash ≈ HK$9.54M (deposit + AVD stamp duty HK$1,183,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,312
−HK$7,168/mo
▼ 0.25% · 3.875%
HK$117,867
−HK$3,613/mo
Today · 4.125%
HK$121,480
baseline
▲ 0.50% · 4.625%
HK$128,872
+HK$7,392/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$242,960/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,170
−HK$6,871/mo
▼ 0.25% · 3.875%
HK$130,581
−HK$3,460/mo
Today · 4.125%
HK$134,041
baseline
▲ 0.50% · 4.625%
HK$141,107
+HK$7,066/mo
Deposit HK$2.79M · loan HK$25.07M · min. income ≈ HK$268,082/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,183,649 · Scale 2, in force from 26 Feb 2026)