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$63,574
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,551
−HK$2,010/mo
Today · 4.125%
HK$67,561
baseline
▲ 0.50% · 4.625%
HK$71,671
+HK$4,110/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,122/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,725
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,622
−HK$1,924/mo
Today · 4.125%
HK$74,546
baseline
▲ 0.50% · 4.625%
HK$78,476
+HK$3,930/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,092/mo (50% DSR)
Upfront cash ≈ HK$15.12M (deposit + AVD stamp duty HK$1,184,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,289
−HK$4,784/mo
▼ 0.25% · 3.875%
HK$78,662
−HK$2,411/mo
Today · 4.125%
HK$81,073
baseline
▲ 0.50% · 4.625%
HK$86,006
+HK$4,933/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$162,146/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,184,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,870
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,147
−HK$2,309/mo
Today · 4.125%
HK$89,456
baseline
▲ 0.50% · 4.625%
HK$94,171
+HK$4,715/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$178,912/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,184,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,003
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,772
−HK$2,813/mo
Today · 4.125%
HK$94,585
baseline
▲ 0.50% · 4.625%
HK$100,340
+HK$5,755/mo
Deposit HK$8.36M · loan HK$19.52M · min. income ≈ HK$189,170/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,015
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$101,671
−HK$2,694/mo
Today · 4.125%
HK$104,365
baseline
▲ 0.50% · 4.625%
HK$109,866
+HK$5,501/mo
Deposit HK$8.36M · loan HK$19.52M · min. income ≈ HK$208,730/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,184,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,433
−HK$7,176/mo
▼ 0.25% · 3.875%
HK$117,993
−HK$3,616/mo
Today · 4.125%
HK$121,609
baseline
▲ 0.50% · 4.625%
HK$129,009
+HK$7,400/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$243,218/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,306
−HK$6,877/mo
▼ 0.25% · 3.875%
HK$130,720
−HK$3,463/mo
Today · 4.125%
HK$134,183
baseline
▲ 0.50% · 4.625%
HK$141,256
+HK$7,073/mo
Deposit HK$2.79M · loan HK$25.09M · min. income ≈ HK$268,366/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,184,907 · Scale 2, in force from 26 Feb 2026)