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$63,211
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,178
−HK$1,997/mo
Today · 4.125%
HK$67,175
baseline
▲ 0.50% · 4.625%
HK$71,263
+HK$4,088/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,350/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,322
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,208
−HK$1,913/mo
Today · 4.125%
HK$74,121
baseline
▲ 0.50% · 4.625%
HK$78,028
+HK$3,907/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,242/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,854
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,213
−HK$2,397/mo
Today · 4.125%
HK$80,610
baseline
▲ 0.50% · 4.625%
HK$85,515
+HK$4,905/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$161,220/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,386
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,650
−HK$2,295/mo
Today · 4.125%
HK$88,945
baseline
▲ 0.50% · 4.625%
HK$93,634
+HK$4,689/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$177,890/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,496
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$91,249
−HK$2,796/mo
Today · 4.125%
HK$94,045
baseline
▲ 0.50% · 4.625%
HK$99,768
+HK$5,723/mo
Deposit HK$8.32M · loan HK$19.40M · min. income ≈ HK$188,090/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,178,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,451
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,091
−HK$2,679/mo
Today · 4.125%
HK$103,770
baseline
▲ 0.50% · 4.625%
HK$109,240
+HK$5,470/mo
Deposit HK$8.32M · loan HK$19.40M · min. income ≈ HK$207,540/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,178,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,780
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$117,320
−HK$3,595/mo
Today · 4.125%
HK$120,915
baseline
▲ 0.50% · 4.625%
HK$128,273
+HK$7,358/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$241,830/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,580
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$129,974
−HK$3,444/mo
Today · 4.125%
HK$133,418
baseline
▲ 0.50% · 4.625%
HK$140,451
+HK$7,033/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$266,836/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,149 · Scale 2, in force from 26 Feb 2026)