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$63,622
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,601
−HK$2,010/mo
Today · 4.125%
HK$67,611
baseline
▲ 0.50% · 4.625%
HK$71,725
+HK$4,114/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,222/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,778
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,677
−HK$1,925/mo
Today · 4.125%
HK$74,602
baseline
▲ 0.50% · 4.625%
HK$78,535
+HK$3,933/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,204/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,346
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,721
−HK$2,412/mo
Today · 4.125%
HK$81,133
baseline
▲ 0.50% · 4.625%
HK$86,070
+HK$4,937/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,266/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,934
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,212
−HK$2,311/mo
Today · 4.125%
HK$89,523
baseline
▲ 0.50% · 4.625%
HK$94,242
+HK$4,719/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$179,046/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,070
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,841
−HK$2,815/mo
Today · 4.125%
HK$94,656
baseline
▲ 0.50% · 4.625%
HK$100,415
+HK$5,759/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,312/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,090
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,747
−HK$2,696/mo
Today · 4.125%
HK$104,443
baseline
▲ 0.50% · 4.625%
HK$109,949
+HK$5,506/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,886/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,519
−HK$7,181/mo
▼ 0.25% · 3.875%
HK$118,081
−HK$3,619/mo
Today · 4.125%
HK$121,700
baseline
▲ 0.50% · 4.625%
HK$129,105
+HK$7,405/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$243,400/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,401
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$130,818
−HK$3,466/mo
Today · 4.125%
HK$134,284
baseline
▲ 0.50% · 4.625%
HK$141,362
+HK$7,078/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$268,568/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,795 · Scale 2, in force from 26 Feb 2026)