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$63,267
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,235
−HK$1,999/mo
Today · 4.125%
HK$67,234
baseline
▲ 0.50% · 4.625%
HK$71,325
+HK$4,091/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,468/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,384
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,271
−HK$1,915/mo
Today · 4.125%
HK$74,186
baseline
▲ 0.50% · 4.625%
HK$78,097
+HK$3,911/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,372/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,920
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,282
−HK$2,399/mo
Today · 4.125%
HK$80,681
baseline
▲ 0.50% · 4.625%
HK$85,590
+HK$4,909/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,362/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,460
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,725
−HK$2,298/mo
Today · 4.125%
HK$89,023
baseline
▲ 0.50% · 4.625%
HK$93,716
+HK$4,693/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,046/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,573
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$91,329
−HK$2,799/mo
Today · 4.125%
HK$94,128
baseline
▲ 0.50% · 4.625%
HK$99,855
+HK$5,727/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,256/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,537
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$101,180
−HK$2,681/mo
Today · 4.125%
HK$103,861
baseline
▲ 0.50% · 4.625%
HK$109,335
+HK$5,474/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,722/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,880
−HK$7,141/mo
▼ 0.25% · 3.875%
HK$117,422
−HK$3,599/mo
Today · 4.125%
HK$121,021
baseline
▲ 0.50% · 4.625%
HK$128,385
+HK$7,364/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$242,042/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,690
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$130,088
−HK$3,447/mo
Today · 4.125%
HK$133,535
baseline
▲ 0.50% · 4.625%
HK$140,574
+HK$7,039/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$267,070/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,182 · Scale 2, in force from 26 Feb 2026)