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$63,467
−HK$3,980/mo
▼ 0.25% · 3.875%
HK$65,442
−HK$2,005/mo
Today · 4.125%
HK$67,447
baseline
▲ 0.50% · 4.625%
HK$71,551
+HK$4,104/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,894/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,607
−HK$3,815/mo
▼ 0.25% · 3.875%
HK$72,501
−HK$1,921/mo
Today · 4.125%
HK$74,422
baseline
▲ 0.50% · 4.625%
HK$78,344
+HK$3,922/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,844/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,161
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,530
−HK$2,407/mo
Today · 4.125%
HK$80,937
baseline
▲ 0.50% · 4.625%
HK$85,862
+HK$4,925/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$161,874/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,182,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,728
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$87,001
−HK$2,305/mo
Today · 4.125%
HK$89,306
baseline
▲ 0.50% · 4.625%
HK$94,013
+HK$4,707/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$178,612/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,182,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,854
−HK$5,572/mo
▼ 0.25% · 3.875%
HK$91,618
−HK$2,808/mo
Today · 4.125%
HK$94,426
baseline
▲ 0.50% · 4.625%
HK$100,172
+HK$5,746/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$188,852/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,850
−HK$5,340/mo
▼ 0.25% · 3.875%
HK$101,501
−HK$2,689/mo
Today · 4.125%
HK$104,190
baseline
▲ 0.50% · 4.625%
HK$109,682
+HK$5,492/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$208,380/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,241
−HK$7,164/mo
▼ 0.25% · 3.875%
HK$117,795
−HK$3,610/mo
Today · 4.125%
HK$121,405
baseline
▲ 0.50% · 4.625%
HK$128,793
+HK$7,388/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$242,810/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,093
−HK$6,866/mo
▼ 0.25% · 3.875%
HK$130,501
−HK$3,458/mo
Today · 4.125%
HK$133,959
baseline
▲ 0.50% · 4.625%
HK$141,020
+HK$7,061/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$267,918/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,924 · Scale 2, in force from 26 Feb 2026)