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$63,463
−HK$3,979/mo
▼ 0.25% · 3.875%
HK$65,437
−HK$2,005/mo
Today · 4.125%
HK$67,442
baseline
▲ 0.50% · 4.625%
HK$71,546
+HK$4,104/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$134,884/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,602
−HK$3,814/mo
▼ 0.25% · 3.875%
HK$72,495
−HK$1,921/mo
Today · 4.125%
HK$74,416
baseline
▲ 0.50% · 4.625%
HK$78,339
+HK$3,923/mo
Deposit HK$13.92M · loan HK$13.92M · min. income ≈ HK$148,832/mo (50% DSR)
Upfront cash ≈ HK$15.10M (deposit + AVD stamp duty HK$1,182,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,155
−HK$4,776/mo
▼ 0.25% · 3.875%
HK$78,524
−HK$2,407/mo
Today · 4.125%
HK$80,931
baseline
▲ 0.50% · 4.625%
HK$85,855
+HK$4,924/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$161,862/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,182,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,722
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$86,994
−HK$2,305/mo
Today · 4.125%
HK$89,299
baseline
▲ 0.50% · 4.625%
HK$94,006
+HK$4,707/mo
Deposit HK$11.13M · loan HK$16.70M · min. income ≈ HK$178,598/mo (50% DSR)
Upfront cash ≈ HK$12.32M (deposit + AVD stamp duty HK$1,182,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,848
−HK$5,571/mo
▼ 0.25% · 3.875%
HK$91,612
−HK$2,807/mo
Today · 4.125%
HK$94,419
baseline
▲ 0.50% · 4.625%
HK$100,165
+HK$5,746/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$188,838/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,842
−HK$5,341/mo
▼ 0.25% · 3.875%
HK$101,493
−HK$2,690/mo
Today · 4.125%
HK$104,183
baseline
▲ 0.50% · 4.625%
HK$109,674
+HK$5,491/mo
Deposit HK$8.35M · loan HK$19.48M · min. income ≈ HK$208,366/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,233
−HK$7,163/mo
▼ 0.25% · 3.875%
HK$117,786
−HK$3,610/mo
Today · 4.125%
HK$121,396
baseline
▲ 0.50% · 4.625%
HK$128,783
+HK$7,387/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$242,792/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,083
−HK$6,866/mo
▼ 0.25% · 3.875%
HK$130,491
−HK$3,458/mo
Today · 4.125%
HK$133,949
baseline
▲ 0.50% · 4.625%
HK$141,010
+HK$7,061/mo
Deposit HK$2.78M · loan HK$25.05M · min. income ≈ HK$267,898/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,182,836 · Scale 2, in force from 26 Feb 2026)