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$63,663
−HK$3,993/mo
▼ 0.25% · 3.875%
HK$65,644
−HK$2,012/mo
Today · 4.125%
HK$67,656
baseline
▲ 0.50% · 4.625%
HK$71,772
+HK$4,116/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$135,312/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,825
−HK$3,826/mo
▼ 0.25% · 3.875%
HK$72,724
−HK$1,927/mo
Today · 4.125%
HK$74,651
baseline
▲ 0.50% · 4.625%
HK$78,586
+HK$3,935/mo
Deposit HK$13.96M · loan HK$13.96M · min. income ≈ HK$149,302/mo (50% DSR)
Upfront cash ≈ HK$15.15M (deposit + AVD stamp duty HK$1,186,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,396
−HK$4,791/mo
▼ 0.25% · 3.875%
HK$78,772
−HK$2,415/mo
Today · 4.125%
HK$81,187
baseline
▲ 0.50% · 4.625%
HK$86,127
+HK$4,940/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$162,374/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,990
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$87,269
−HK$2,313/mo
Today · 4.125%
HK$89,582
baseline
▲ 0.50% · 4.625%
HK$94,304
+HK$4,722/mo
Deposit HK$11.17M · loan HK$16.75M · min. income ≈ HK$179,164/mo (50% DSR)
Upfront cash ≈ HK$12.35M (deposit + AVD stamp duty HK$1,186,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,129
−HK$5,589/mo
▼ 0.25% · 3.875%
HK$91,901
−HK$2,817/mo
Today · 4.125%
HK$94,718
baseline
▲ 0.50% · 4.625%
HK$100,481
+HK$5,763/mo
Deposit HK$8.38M · loan HK$19.54M · min. income ≈ HK$189,436/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,155
−HK$5,357/mo
▼ 0.25% · 3.875%
HK$101,814
−HK$2,698/mo
Today · 4.125%
HK$104,512
baseline
▲ 0.50% · 4.625%
HK$110,021
+HK$5,509/mo
Deposit HK$8.38M · loan HK$19.54M · min. income ≈ HK$209,024/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,186,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,594
−HK$7,186/mo
▼ 0.25% · 3.875%
HK$118,159
−HK$3,621/mo
Today · 4.125%
HK$121,780
baseline
▲ 0.50% · 4.625%
HK$129,190
+HK$7,410/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$243,560/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,485
−HK$6,887/mo
▼ 0.25% · 3.875%
HK$130,904
−HK$3,468/mo
Today · 4.125%
HK$134,372
baseline
▲ 0.50% · 4.625%
HK$141,455
+HK$7,083/mo
Deposit HK$2.79M · loan HK$25.13M · min. income ≈ HK$268,744/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,186,575 · Scale 2, in force from 26 Feb 2026)