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$63,604
−HK$3,988/mo
▼ 0.25% · 3.875%
HK$65,582
−HK$2,010/mo
Today · 4.125%
HK$67,592
baseline
▲ 0.50% · 4.625%
HK$71,705
+HK$4,113/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,184/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,759
−HK$3,822/mo
▼ 0.25% · 3.875%
HK$72,656
−HK$1,925/mo
Today · 4.125%
HK$74,581
baseline
▲ 0.50% · 4.625%
HK$78,513
+HK$3,932/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,162/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,325
−HK$4,786/mo
▼ 0.25% · 3.875%
HK$78,699
−HK$2,412/mo
Today · 4.125%
HK$81,111
baseline
▲ 0.50% · 4.625%
HK$86,046
+HK$4,935/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,222/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,910
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$87,188
−HK$2,310/mo
Today · 4.125%
HK$89,498
baseline
▲ 0.50% · 4.625%
HK$94,215
+HK$4,717/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$178,996/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,045
−HK$5,584/mo
▼ 0.25% · 3.875%
HK$91,815
−HK$2,814/mo
Today · 4.125%
HK$94,629
baseline
▲ 0.50% · 4.625%
HK$100,387
+HK$5,758/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,258/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,062
−HK$5,352/mo
▼ 0.25% · 3.875%
HK$101,719
−HK$2,695/mo
Today · 4.125%
HK$104,414
baseline
▲ 0.50% · 4.625%
HK$109,918
+HK$5,504/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,828/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,487
−HK$7,179/mo
▼ 0.25% · 3.875%
HK$118,048
−HK$3,618/mo
Today · 4.125%
HK$121,666
baseline
▲ 0.50% · 4.625%
HK$129,069
+HK$7,403/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$243,332/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,365
−HK$6,882/mo
▼ 0.25% · 3.875%
HK$130,781
−HK$3,466/mo
Today · 4.125%
HK$134,247
baseline
▲ 0.50% · 4.625%
HK$141,323
+HK$7,076/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$268,494/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,465 · Scale 2, in force from 26 Feb 2026)