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$63,631
−HK$3,990/mo
▼ 0.25% · 3.875%
HK$65,610
−HK$2,011/mo
Today · 4.125%
HK$67,621
baseline
▲ 0.50% · 4.625%
HK$71,736
+HK$4,115/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,242/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,789
−HK$3,825/mo
▼ 0.25% · 3.875%
HK$72,688
−HK$1,926/mo
Today · 4.125%
HK$74,614
baseline
▲ 0.50% · 4.625%
HK$78,546
+HK$3,932/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,228/mo (50% DSR)
Upfront cash ≈ HK$15.14M (deposit + AVD stamp duty HK$1,185,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,357
−HK$4,789/mo
▼ 0.25% · 3.875%
HK$78,733
−HK$2,413/mo
Today · 4.125%
HK$81,146
baseline
▲ 0.50% · 4.625%
HK$86,083
+HK$4,937/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,292/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,947
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,225
−HK$2,311/mo
Today · 4.125%
HK$89,536
baseline
▲ 0.50% · 4.625%
HK$94,256
+HK$4,720/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$179,072/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,185,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,084
−HK$5,586/mo
▼ 0.25% · 3.875%
HK$91,855
−HK$2,815/mo
Today · 4.125%
HK$94,670
baseline
▲ 0.50% · 4.625%
HK$100,430
+HK$5,760/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,340/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,105
−HK$5,354/mo
▼ 0.25% · 3.875%
HK$101,763
−HK$2,696/mo
Today · 4.125%
HK$104,459
baseline
▲ 0.50% · 4.625%
HK$109,965
+HK$5,506/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,918/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,536
−HK$7,182/mo
▼ 0.25% · 3.875%
HK$118,099
−HK$3,619/mo
Today · 4.125%
HK$121,718
baseline
▲ 0.50% · 4.625%
HK$129,125
+HK$7,407/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$243,436/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,420
−HK$6,884/mo
▼ 0.25% · 3.875%
HK$130,838
−HK$3,466/mo
Today · 4.125%
HK$134,304
baseline
▲ 0.50% · 4.625%
HK$141,384
+HK$7,080/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$268,608/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,974 · Scale 2, in force from 26 Feb 2026)