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$63,585
−HK$3,987/mo
▼ 0.25% · 3.875%
HK$65,563
−HK$2,009/mo
Today · 4.125%
HK$67,572
baseline
▲ 0.50% · 4.625%
HK$71,684
+HK$4,112/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$135,144/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,738
−HK$3,821/mo
▼ 0.25% · 3.875%
HK$72,635
−HK$1,924/mo
Today · 4.125%
HK$74,559
baseline
▲ 0.50% · 4.625%
HK$78,489
+HK$3,930/mo
Deposit HK$13.94M · loan HK$13.94M · min. income ≈ HK$149,118/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,302
−HK$4,785/mo
▼ 0.25% · 3.875%
HK$78,675
−HK$2,412/mo
Today · 4.125%
HK$81,087
baseline
▲ 0.50% · 4.625%
HK$86,021
+HK$4,934/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$162,174/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,885
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$87,162
−HK$2,309/mo
Today · 4.125%
HK$89,471
baseline
▲ 0.50% · 4.625%
HK$94,187
+HK$4,716/mo
Deposit HK$11.15M · loan HK$16.73M · min. income ≈ HK$178,942/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,019
−HK$5,582/mo
▼ 0.25% · 3.875%
HK$91,788
−HK$2,813/mo
Today · 4.125%
HK$94,601
baseline
▲ 0.50% · 4.625%
HK$100,357
+HK$5,756/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$189,202/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,033
−HK$5,350/mo
▼ 0.25% · 3.875%
HK$101,689
−HK$2,694/mo
Today · 4.125%
HK$104,383
baseline
▲ 0.50% · 4.625%
HK$109,885
+HK$5,502/mo
Deposit HK$8.37M · loan HK$19.52M · min. income ≈ HK$208,766/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$1,185,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,453
−HK$7,177/mo
▼ 0.25% · 3.875%
HK$118,013
−HK$3,617/mo
Today · 4.125%
HK$121,630
baseline
▲ 0.50% · 4.625%
HK$129,031
+HK$7,401/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$243,260/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,328
−HK$6,879/mo
▼ 0.25% · 3.875%
HK$130,742
−HK$3,465/mo
Today · 4.125%
HK$134,207
baseline
▲ 0.50% · 4.625%
HK$141,281
+HK$7,074/mo
Deposit HK$2.79M · loan HK$25.10M · min. income ≈ HK$268,414/mo (50% DSR)
Upfront cash ≈ HK$3.97M (deposit + AVD stamp duty HK$1,185,112 · Scale 2, in force from 26 Feb 2026)