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$63,428
−HK$3,978/mo
▼ 0.25% · 3.875%
HK$65,401
−HK$2,005/mo
Today · 4.125%
HK$67,406
baseline
▲ 0.50% · 4.625%
HK$71,507
+HK$4,101/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$134,812/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,563
−HK$3,813/mo
▼ 0.25% · 3.875%
HK$72,456
−HK$1,920/mo
Today · 4.125%
HK$74,376
baseline
▲ 0.50% · 4.625%
HK$78,296
+HK$3,920/mo
Deposit HK$13.91M · loan HK$13.91M · min. income ≈ HK$148,752/mo (50% DSR)
Upfront cash ≈ HK$15.09M (deposit + AVD stamp duty HK$1,182,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,114
−HK$4,773/mo
▼ 0.25% · 3.875%
HK$78,482
−HK$2,405/mo
Today · 4.125%
HK$80,887
baseline
▲ 0.50% · 4.625%
HK$85,809
+HK$4,922/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$161,774/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,676
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$86,947
−HK$2,304/mo
Today · 4.125%
HK$89,251
baseline
▲ 0.50% · 4.625%
HK$93,955
+HK$4,704/mo
Deposit HK$11.13M · loan HK$16.69M · min. income ≈ HK$178,502/mo (50% DSR)
Upfront cash ≈ HK$12.31M (deposit + AVD stamp duty HK$1,182,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,800
−HK$5,568/mo
▼ 0.25% · 3.875%
HK$91,562
−HK$2,806/mo
Today · 4.125%
HK$94,368
baseline
▲ 0.50% · 4.625%
HK$100,110
+HK$5,742/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$188,736/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,789
−HK$5,337/mo
▼ 0.25% · 3.875%
HK$101,438
−HK$2,688/mo
Today · 4.125%
HK$104,126
baseline
▲ 0.50% · 4.625%
HK$109,615
+HK$5,489/mo
Deposit HK$8.34M · loan HK$19.47M · min. income ≈ HK$208,252/mo (50% DSR)
Upfront cash ≈ HK$9.53M (deposit + AVD stamp duty HK$1,182,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,171
−HK$7,160/mo
▼ 0.25% · 3.875%
HK$117,723
−HK$3,608/mo
Today · 4.125%
HK$121,331
baseline
▲ 0.50% · 4.625%
HK$128,713
+HK$7,382/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$242,662/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,014
−HK$6,862/mo
▼ 0.25% · 3.875%
HK$130,421
−HK$3,455/mo
Today · 4.125%
HK$133,876
baseline
▲ 0.50% · 4.625%
HK$140,933
+HK$7,057/mo
Deposit HK$2.78M · loan HK$25.03M · min. income ≈ HK$267,752/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,182,195 · Scale 2, in force from 26 Feb 2026)