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$63,235
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,202
−HK$1,999/mo
Today · 4.125%
HK$67,201
baseline
▲ 0.50% · 4.625%
HK$71,289
+HK$4,088/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,402/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,348
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,235
−HK$1,914/mo
Today · 4.125%
HK$74,149
baseline
▲ 0.50% · 4.625%
HK$78,058
+HK$3,909/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,298/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,882
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,242
−HK$2,399/mo
Today · 4.125%
HK$80,641
baseline
▲ 0.50% · 4.625%
HK$85,547
+HK$4,906/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$161,282/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,418
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,682
−HK$2,297/mo
Today · 4.125%
HK$88,979
baseline
▲ 0.50% · 4.625%
HK$93,669
+HK$4,690/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$177,958/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,529
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,283
−HK$2,798/mo
Today · 4.125%
HK$94,081
baseline
▲ 0.50% · 4.625%
HK$99,805
+HK$5,724/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$188,162/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,488
−HK$5,321/mo
▼ 0.25% · 3.875%
HK$101,129
−HK$2,680/mo
Today · 4.125%
HK$103,809
baseline
▲ 0.50% · 4.625%
HK$109,281
+HK$5,472/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$207,618/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,823
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$117,364
−HK$3,597/mo
Today · 4.125%
HK$120,961
baseline
▲ 0.50% · 4.625%
HK$128,321
+HK$7,360/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$241,922/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,627
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$130,023
−HK$3,445/mo
Today · 4.125%
HK$133,468
baseline
▲ 0.50% · 4.625%
HK$140,504
+HK$7,036/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$266,936/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,593 · Scale 2, in force from 26 Feb 2026)