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$63,816
−HK$4,002/mo
▼ 0.25% · 3.875%
HK$65,801
−HK$2,017/mo
Today · 4.125%
HK$67,818
baseline
▲ 0.50% · 4.625%
HK$71,944
+HK$4,126/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$135,636/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,189,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,995
−HK$3,835/mo
▼ 0.25% · 3.875%
HK$72,899
−HK$1,931/mo
Today · 4.125%
HK$74,830
baseline
▲ 0.50% · 4.625%
HK$78,775
+HK$3,945/mo
Deposit HK$13.99M · loan HK$13.99M · min. income ≈ HK$149,660/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,189,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,579
−HK$4,802/mo
▼ 0.25% · 3.875%
HK$78,961
−HK$2,420/mo
Today · 4.125%
HK$81,381
baseline
▲ 0.50% · 4.625%
HK$86,333
+HK$4,952/mo
Deposit HK$11.19M · loan HK$16.79M · min. income ≈ HK$162,762/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,189,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,194
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$87,479
−HK$2,317/mo
Today · 4.125%
HK$89,796
baseline
▲ 0.50% · 4.625%
HK$94,530
+HK$4,734/mo
Deposit HK$11.19M · loan HK$16.79M · min. income ≈ HK$179,592/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,189,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,343
−HK$5,602/mo
▼ 0.25% · 3.875%
HK$92,122
−HK$2,823/mo
Today · 4.125%
HK$94,945
baseline
▲ 0.50% · 4.625%
HK$100,722
+HK$5,777/mo
Deposit HK$8.40M · loan HK$19.59M · min. income ≈ HK$189,890/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,393
−HK$5,370/mo
▼ 0.25% · 3.875%
HK$102,058
−HK$2,705/mo
Today · 4.125%
HK$104,763
baseline
▲ 0.50% · 4.625%
HK$110,285
+HK$5,522/mo
Deposit HK$8.40M · loan HK$19.59M · min. income ≈ HK$209,526/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$1,189,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,869
−HK$7,203/mo
▼ 0.25% · 3.875%
HK$118,442
−HK$3,630/mo
Today · 4.125%
HK$122,072
baseline
▲ 0.50% · 4.625%
HK$129,500
+HK$7,428/mo
Deposit HK$2.80M · loan HK$25.19M · min. income ≈ HK$244,144/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,421 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,791
−HK$6,904/mo
▼ 0.25% · 3.875%
HK$131,218
−HK$3,477/mo
Today · 4.125%
HK$134,695
baseline
▲ 0.50% · 4.625%
HK$141,795
+HK$7,100/mo
Deposit HK$2.80M · loan HK$25.19M · min. income ≈ HK$269,390/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,189,421 · Scale 2, in force from 26 Feb 2026)