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$63,086
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,049
−HK$1,993/mo
Today · 4.125%
HK$67,042
baseline
▲ 0.50% · 4.625%
HK$71,122
+HK$4,080/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,084/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,183
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,065
−HK$1,910/mo
Today · 4.125%
HK$73,975
baseline
▲ 0.50% · 4.625%
HK$77,874
+HK$3,899/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,950/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,704
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,058
−HK$2,393/mo
Today · 4.125%
HK$80,451
baseline
▲ 0.50% · 4.625%
HK$85,346
+HK$4,895/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$160,902/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,219
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,478
−HK$2,292/mo
Today · 4.125%
HK$88,770
baseline
▲ 0.50% · 4.625%
HK$93,449
+HK$4,679/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$177,540/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,321
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$91,068
−HK$2,791/mo
Today · 4.125%
HK$93,859
baseline
▲ 0.50% · 4.625%
HK$99,570
+HK$5,711/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$187,718/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,175,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,256
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,891
−HK$2,673/mo
Today · 4.125%
HK$103,564
baseline
▲ 0.50% · 4.625%
HK$109,023
+HK$5,459/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$207,128/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,175,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,555
−HK$7,121/mo
▼ 0.25% · 3.875%
HK$117,087
−HK$3,589/mo
Today · 4.125%
HK$120,676
baseline
▲ 0.50% · 4.625%
HK$128,019
+HK$7,343/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$241,352/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,329
−HK$6,825/mo
▼ 0.25% · 3.875%
HK$129,717
−HK$3,437/mo
Today · 4.125%
HK$133,154
baseline
▲ 0.50% · 4.625%
HK$140,173
+HK$7,019/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$266,308/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,818 · Scale 2, in force from 26 Feb 2026)