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$63,405
−HK$3,976/mo
▼ 0.25% · 3.875%
HK$65,377
−HK$2,004/mo
Today · 4.125%
HK$67,381
baseline
▲ 0.50% · 4.625%
HK$71,481
+HK$4,100/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,762/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,537
−HK$3,811/mo
▼ 0.25% · 3.875%
HK$72,429
−HK$1,919/mo
Today · 4.125%
HK$74,348
baseline
▲ 0.50% · 4.625%
HK$78,267
+HK$3,919/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,696/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,086
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$78,453
−HK$2,404/mo
Today · 4.125%
HK$80,857
baseline
▲ 0.50% · 4.625%
HK$85,777
+HK$4,920/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,714/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,645
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,915
−HK$2,303/mo
Today · 4.125%
HK$89,218
baseline
▲ 0.50% · 4.625%
HK$93,921
+HK$4,703/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,436/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,767
−HK$5,567/mo
▼ 0.25% · 3.875%
HK$91,528
−HK$2,806/mo
Today · 4.125%
HK$94,334
baseline
▲ 0.50% · 4.625%
HK$100,074
+HK$5,740/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,668/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,752
−HK$5,336/mo
▼ 0.25% · 3.875%
HK$101,401
−HK$2,687/mo
Today · 4.125%
HK$104,088
baseline
▲ 0.50% · 4.625%
HK$109,574
+HK$5,486/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,176/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,129
−HK$7,157/mo
▼ 0.25% · 3.875%
HK$117,679
−HK$3,607/mo
Today · 4.125%
HK$121,286
baseline
▲ 0.50% · 4.625%
HK$128,666
+HK$7,380/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$242,572/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,967
−HK$6,860/mo
▼ 0.25% · 3.875%
HK$130,373
−HK$3,454/mo
Today · 4.125%
HK$133,827
baseline
▲ 0.50% · 4.625%
HK$140,881
+HK$7,054/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$267,654/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,760 · Scale 2, in force from 26 Feb 2026)