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$63,252
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,219
−HK$1,999/mo
Today · 4.125%
HK$67,218
baseline
▲ 0.50% · 4.625%
HK$71,308
+HK$4,090/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,436/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,367
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,254
−HK$1,914/mo
Today · 4.125%
HK$74,168
baseline
▲ 0.50% · 4.625%
HK$78,078
+HK$3,910/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,336/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,902
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,263
−HK$2,399/mo
Today · 4.125%
HK$80,662
baseline
▲ 0.50% · 4.625%
HK$85,570
+HK$4,908/mo
Deposit HK$11.10M · loan HK$16.64M · min. income ≈ HK$161,324/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,440
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,705
−HK$2,297/mo
Today · 4.125%
HK$89,002
baseline
▲ 0.50% · 4.625%
HK$93,693
+HK$4,691/mo
Deposit HK$11.10M · loan HK$16.64M · min. income ≈ HK$178,004/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,552
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,307
−HK$2,798/mo
Today · 4.125%
HK$94,105
baseline
▲ 0.50% · 4.625%
HK$99,831
+HK$5,726/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,210/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,513
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,155
−HK$2,681/mo
Today · 4.125%
HK$103,836
baseline
▲ 0.50% · 4.625%
HK$109,309
+HK$5,473/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,672/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,853
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$117,394
−HK$3,598/mo
Today · 4.125%
HK$120,992
baseline
▲ 0.50% · 4.625%
HK$128,354
+HK$7,362/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$241,984/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,660
−HK$6,843/mo
▼ 0.25% · 3.875%
HK$130,057
−HK$3,446/mo
Today · 4.125%
HK$133,503
baseline
▲ 0.50% · 4.625%
HK$140,540
+HK$7,037/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$267,006/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,898 · Scale 2, in force from 26 Feb 2026)