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$63,614
−HK$3,989/mo
▼ 0.25% · 3.875%
HK$65,593
−HK$2,010/mo
Today · 4.125%
HK$67,603
baseline
▲ 0.50% · 4.625%
HK$71,717
+HK$4,114/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$135,206/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,770
−HK$3,824/mo
▼ 0.25% · 3.875%
HK$72,668
−HK$1,926/mo
Today · 4.125%
HK$74,594
baseline
▲ 0.50% · 4.625%
HK$78,526
+HK$3,932/mo
Deposit HK$13.95M · loan HK$13.95M · min. income ≈ HK$149,188/mo (50% DSR)
Upfront cash ≈ HK$15.13M (deposit + AVD stamp duty HK$1,185,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,337
−HK$4,787/mo
▼ 0.25% · 3.875%
HK$78,712
−HK$2,412/mo
Today · 4.125%
HK$81,124
baseline
▲ 0.50% · 4.625%
HK$86,060
+HK$4,936/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$162,248/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,924
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$87,202
−HK$2,311/mo
Today · 4.125%
HK$89,513
baseline
▲ 0.50% · 4.625%
HK$94,231
+HK$4,718/mo
Deposit HK$11.16M · loan HK$16.74M · min. income ≈ HK$179,026/mo (50% DSR)
Upfront cash ≈ HK$12.34M (deposit + AVD stamp duty HK$1,185,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,060
−HK$5,585/mo
▼ 0.25% · 3.875%
HK$91,830
−HK$2,815/mo
Today · 4.125%
HK$94,645
baseline
▲ 0.50% · 4.625%
HK$100,404
+HK$5,759/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$189,290/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,078
−HK$5,353/mo
▼ 0.25% · 3.875%
HK$101,736
−HK$2,695/mo
Today · 4.125%
HK$104,431
baseline
▲ 0.50% · 4.625%
HK$109,936
+HK$5,505/mo
Deposit HK$8.37M · loan HK$19.53M · min. income ≈ HK$208,862/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$1,185,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,506
−HK$7,180/mo
▼ 0.25% · 3.875%
HK$118,068
−HK$3,618/mo
Today · 4.125%
HK$121,686
baseline
▲ 0.50% · 4.625%
HK$129,091
+HK$7,405/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$243,372/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,386
−HK$6,883/mo
▼ 0.25% · 3.875%
HK$130,803
−HK$3,466/mo
Today · 4.125%
HK$134,269
baseline
▲ 0.50% · 4.625%
HK$141,346
+HK$7,077/mo
Deposit HK$2.79M · loan HK$25.11M · min. income ≈ HK$268,538/mo (50% DSR)
Upfront cash ≈ HK$3.98M (deposit + AVD stamp duty HK$1,185,660 · Scale 2, in force from 26 Feb 2026)