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$63,424
−HK$3,977/mo
▼ 0.25% · 3.875%
HK$65,396
−HK$2,005/mo
Today · 4.125%
HK$67,401
baseline
▲ 0.50% · 4.625%
HK$71,502
+HK$4,101/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,802/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,558
−HK$3,812/mo
▼ 0.25% · 3.875%
HK$72,450
−HK$1,920/mo
Today · 4.125%
HK$74,370
baseline
▲ 0.50% · 4.625%
HK$78,290
+HK$3,920/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,740/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,108
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$78,476
−HK$2,405/mo
Today · 4.125%
HK$80,881
baseline
▲ 0.50% · 4.625%
HK$85,802
+HK$4,921/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$161,762/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,670
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$86,941
−HK$2,303/mo
Today · 4.125%
HK$89,244
baseline
▲ 0.50% · 4.625%
HK$93,948
+HK$4,704/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$178,488/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,793
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,555
−HK$2,806/mo
Today · 4.125%
HK$94,361
baseline
▲ 0.50% · 4.625%
HK$100,103
+HK$5,742/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$188,722/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,781
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,431
−HK$2,687/mo
Today · 4.125%
HK$104,118
baseline
▲ 0.50% · 4.625%
HK$109,606
+HK$5,488/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$208,236/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,163
−HK$7,159/mo
▼ 0.25% · 3.875%
HK$117,714
−HK$3,608/mo
Today · 4.125%
HK$121,322
baseline
▲ 0.50% · 4.625%
HK$128,704
+HK$7,382/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$242,644/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,005
−HK$6,861/mo
▼ 0.25% · 3.875%
HK$130,411
−HK$3,455/mo
Today · 4.125%
HK$133,866
baseline
▲ 0.50% · 4.625%
HK$140,923
+HK$7,057/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$267,732/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,106 · Scale 2, in force from 26 Feb 2026)