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$63,773
−HK$3,999/mo
▼ 0.25% · 3.875%
HK$65,757
−HK$2,015/mo
Today · 4.125%
HK$67,772
baseline
▲ 0.50% · 4.625%
HK$71,896
+HK$4,124/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$135,544/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,947
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,850
−HK$1,930/mo
Today · 4.125%
HK$74,780
baseline
▲ 0.50% · 4.625%
HK$78,722
+HK$3,942/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$149,560/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,528
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,908
−HK$2,419/mo
Today · 4.125%
HK$81,327
baseline
▲ 0.50% · 4.625%
HK$86,275
+HK$4,948/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$162,654/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,137
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$87,420
−HK$2,316/mo
Today · 4.125%
HK$89,736
baseline
▲ 0.50% · 4.625%
HK$94,466
+HK$4,730/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$179,472/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,283
−HK$5,598/mo
▼ 0.25% · 3.875%
HK$92,060
−HK$2,821/mo
Today · 4.125%
HK$94,881
baseline
▲ 0.50% · 4.625%
HK$100,655
+HK$5,774/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$189,762/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,326
−HK$5,366/mo
▼ 0.25% · 3.875%
HK$101,990
−HK$2,702/mo
Today · 4.125%
HK$104,692
baseline
▲ 0.50% · 4.625%
HK$110,211
+HK$5,519/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$209,384/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,792
−HK$7,198/mo
▼ 0.25% · 3.875%
HK$118,363
−HK$3,627/mo
Today · 4.125%
HK$121,990
baseline
▲ 0.50% · 4.625%
HK$129,413
+HK$7,423/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$243,980/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,705
−HK$6,899/mo
▼ 0.25% · 3.875%
HK$131,130
−HK$3,474/mo
Today · 4.125%
HK$134,604
baseline
▲ 0.50% · 4.625%
HK$141,700
+HK$7,096/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$269,208/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,623 · Scale 2, in force from 26 Feb 2026)