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$63,778
−HK$4,000/mo
▼ 0.25% · 3.875%
HK$65,762
−HK$2,016/mo
Today · 4.125%
HK$67,778
baseline
▲ 0.50% · 4.625%
HK$71,902
+HK$4,124/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$135,556/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,953
−HK$3,833/mo
▼ 0.25% · 3.875%
HK$72,856
−HK$1,930/mo
Today · 4.125%
HK$74,786
baseline
▲ 0.50% · 4.625%
HK$78,728
+HK$3,942/mo
Deposit HK$13.98M · loan HK$13.98M · min. income ≈ HK$149,572/mo (50% DSR)
Upfront cash ≈ HK$15.17M (deposit + AVD stamp duty HK$1,188,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,534
−HK$4,799/mo
▼ 0.25% · 3.875%
HK$78,915
−HK$2,418/mo
Today · 4.125%
HK$81,333
baseline
▲ 0.50% · 4.625%
HK$86,282
+HK$4,949/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$162,666/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,143
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$87,427
−HK$2,316/mo
Today · 4.125%
HK$89,743
baseline
▲ 0.50% · 4.625%
HK$94,474
+HK$4,731/mo
Deposit HK$11.19M · loan HK$16.78M · min. income ≈ HK$179,486/mo (50% DSR)
Upfront cash ≈ HK$12.38M (deposit + AVD stamp duty HK$1,188,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,290
−HK$5,599/mo
▼ 0.25% · 3.875%
HK$92,067
−HK$2,822/mo
Today · 4.125%
HK$94,889
baseline
▲ 0.50% · 4.625%
HK$100,663
+HK$5,774/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$189,778/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$99,334
−HK$5,367/mo
▼ 0.25% · 3.875%
HK$101,998
−HK$2,703/mo
Today · 4.125%
HK$104,701
baseline
▲ 0.50% · 4.625%
HK$110,220
+HK$5,519/mo
Deposit HK$8.39M · loan HK$19.58M · min. income ≈ HK$209,402/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$1,188,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,801
−HK$7,199/mo
▼ 0.25% · 3.875%
HK$118,372
−HK$3,628/mo
Today · 4.125%
HK$122,000
baseline
▲ 0.50% · 4.625%
HK$129,424
+HK$7,424/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$244,000/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,715
−HK$6,900/mo
▼ 0.25% · 3.875%
HK$131,140
−HK$3,475/mo
Today · 4.125%
HK$134,615
baseline
▲ 0.50% · 4.625%
HK$141,711
+HK$7,096/mo
Deposit HK$2.80M · loan HK$25.17M · min. income ≈ HK$269,230/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$1,188,718 · Scale 2, in force from 26 Feb 2026)