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$63,398
−HK$3,975/mo
▼ 0.25% · 3.875%
HK$65,370
−HK$2,003/mo
Today · 4.125%
HK$67,373
baseline
▲ 0.50% · 4.625%
HK$71,473
+HK$4,100/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,746/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,529
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,421
−HK$1,919/mo
Today · 4.125%
HK$74,340
baseline
▲ 0.50% · 4.625%
HK$78,258
+HK$3,918/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,680/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,077
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$78,443
−HK$2,405/mo
Today · 4.125%
HK$80,848
baseline
▲ 0.50% · 4.625%
HK$85,767
+HK$4,919/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,696/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,635
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,905
−HK$2,303/mo
Today · 4.125%
HK$89,208
baseline
▲ 0.50% · 4.625%
HK$93,910
+HK$4,702/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,416/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,757
−HK$5,565/mo
▼ 0.25% · 3.875%
HK$91,517
−HK$2,805/mo
Today · 4.125%
HK$94,322
baseline
▲ 0.50% · 4.625%
HK$100,062
+HK$5,740/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,644/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,741
−HK$5,334/mo
▼ 0.25% · 3.875%
HK$101,389
−HK$2,686/mo
Today · 4.125%
HK$104,075
baseline
▲ 0.50% · 4.625%
HK$109,561
+HK$5,486/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,150/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,116
−HK$7,156/mo
▼ 0.25% · 3.875%
HK$117,665
−HK$3,607/mo
Today · 4.125%
HK$121,272
baseline
▲ 0.50% · 4.625%
HK$128,651
+HK$7,379/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$242,544/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,620 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,952
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$130,357
−HK$3,454/mo
Today · 4.125%
HK$133,811
baseline
▲ 0.50% · 4.625%
HK$140,865
+HK$7,054/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$267,622/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,620 · Scale 2, in force from 26 Feb 2026)