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$63,762
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,746
−HK$2,015/mo
Today · 4.125%
HK$67,761
baseline
▲ 0.50% · 4.625%
HK$71,884
+HK$4,123/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$135,522/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,935
−HK$3,832/mo
▼ 0.25% · 3.875%
HK$72,837
−HK$1,930/mo
Today · 4.125%
HK$74,767
baseline
▲ 0.50% · 4.625%
HK$78,708
+HK$3,941/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$149,534/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,515
−HK$4,798/mo
▼ 0.25% · 3.875%
HK$78,895
−HK$2,418/mo
Today · 4.125%
HK$81,313
baseline
▲ 0.50% · 4.625%
HK$86,261
+HK$4,948/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$162,626/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,122
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,405
−HK$2,316/mo
Today · 4.125%
HK$89,721
baseline
▲ 0.50% · 4.625%
HK$94,450
+HK$4,729/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$179,442/mo (50% DSR)
Upfront cash ≈ HK$12.37M (deposit + AVD stamp duty HK$1,188,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,267
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$92,044
−HK$2,821/mo
Today · 4.125%
HK$94,865
baseline
▲ 0.50% · 4.625%
HK$100,637
+HK$5,772/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$189,730/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,309
−HK$5,365/mo
▼ 0.25% · 3.875%
HK$101,972
−HK$2,702/mo
Today · 4.125%
HK$104,674
baseline
▲ 0.50% · 4.625%
HK$110,192
+HK$5,518/mo
Deposit HK$8.39M · loan HK$19.57M · min. income ≈ HK$209,348/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,772
−HK$7,197/mo
▼ 0.25% · 3.875%
HK$118,342
−HK$3,627/mo
Today · 4.125%
HK$121,969
baseline
▲ 0.50% · 4.625%
HK$129,391
+HK$7,422/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$243,938/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,683
−HK$6,898/mo
▼ 0.25% · 3.875%
HK$131,107
−HK$3,474/mo
Today · 4.125%
HK$134,581
baseline
▲ 0.50% · 4.625%
HK$141,675
+HK$7,094/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$269,162/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,188,417 · Scale 2, in force from 26 Feb 2026)