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$3,976/mo
▼ 0.25% · 3.875%
HK$65,370
−HK$2,004/mo
Today · 4.125%
HK$67,374
baseline
▲ 0.50% · 4.625%
HK$71,473
+HK$4,099/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,748/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,530
−HK$3,810/mo
▼ 0.25% · 3.875%
HK$72,422
−HK$1,918/mo
Today · 4.125%
HK$74,340
baseline
▲ 0.50% · 4.625%
HK$78,259
+HK$3,919/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$1,181,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,078
−HK$4,771/mo
▼ 0.25% · 3.875%
HK$78,444
−HK$2,405/mo
Today · 4.125%
HK$80,849
baseline
▲ 0.50% · 4.625%
HK$85,768
+HK$4,919/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,698/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,636
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$86,906
−HK$2,303/mo
Today · 4.125%
HK$89,209
baseline
▲ 0.50% · 4.625%
HK$93,911
+HK$4,702/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,418/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,758
−HK$5,566/mo
▼ 0.25% · 3.875%
HK$91,518
−HK$2,806/mo
Today · 4.125%
HK$94,324
baseline
▲ 0.50% · 4.625%
HK$100,063
+HK$5,739/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,648/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,742
−HK$5,335/mo
▼ 0.25% · 3.875%
HK$101,390
−HK$2,687/mo
Today · 4.125%
HK$104,077
baseline
▲ 0.50% · 4.625%
HK$109,563
+HK$5,486/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,154/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,117
−HK$7,156/mo
▼ 0.25% · 3.875%
HK$117,667
−HK$3,606/mo
Today · 4.125%
HK$121,273
baseline
▲ 0.50% · 4.625%
HK$128,652
+HK$7,379/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$242,546/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,954
−HK$6,859/mo
▼ 0.25% · 3.875%
HK$130,359
−HK$3,454/mo
Today · 4.125%
HK$133,813
baseline
▲ 0.50% · 4.625%
HK$140,866
+HK$7,053/mo
Deposit HK$2.78M · loan HK$25.02M · min. income ≈ HK$267,626/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,634 · Scale 2, in force from 26 Feb 2026)