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$63,171
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,136
−HK$1,997/mo
Today · 4.125%
HK$67,133
baseline
▲ 0.50% · 4.625%
HK$71,218
+HK$4,085/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,266/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,278
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,162
−HK$1,913/mo
Today · 4.125%
HK$74,075
baseline
▲ 0.50% · 4.625%
HK$77,979
+HK$3,904/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,150/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,806
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,164
−HK$2,395/mo
Today · 4.125%
HK$80,559
baseline
▲ 0.50% · 4.625%
HK$85,461
+HK$4,902/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,118/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,333
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,595
−HK$2,294/mo
Today · 4.125%
HK$88,889
baseline
▲ 0.50% · 4.625%
HK$93,575
+HK$4,686/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,778/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,440
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,191
−HK$2,795/mo
Today · 4.125%
HK$93,986
baseline
▲ 0.50% · 4.625%
HK$99,705
+HK$5,719/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,972/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,389
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,027
−HK$2,677/mo
Today · 4.125%
HK$103,704
baseline
▲ 0.50% · 4.625%
HK$109,171
+HK$5,467/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,408/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,709
−HK$7,130/mo
▼ 0.25% · 3.875%
HK$117,246
−HK$3,593/mo
Today · 4.125%
HK$120,839
baseline
▲ 0.50% · 4.625%
HK$128,192
+HK$7,353/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$241,678/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,500
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$129,892
−HK$3,442/mo
Today · 4.125%
HK$133,334
baseline
▲ 0.50% · 4.625%
HK$140,362
+HK$7,028/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$266,668/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,406 · Scale 2, in force from 26 Feb 2026)