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$63,272
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,240
−HK$1,999/mo
Today · 4.125%
HK$67,239
baseline
▲ 0.50% · 4.625%
HK$71,331
+HK$4,092/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,478/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,389
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,277
−HK$1,915/mo
Today · 4.125%
HK$74,192
baseline
▲ 0.50% · 4.625%
HK$78,103
+HK$3,911/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,384/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,926
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,288
−HK$2,399/mo
Today · 4.125%
HK$80,687
baseline
▲ 0.50% · 4.625%
HK$85,597
+HK$4,910/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,374/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,467
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,732
−HK$2,298/mo
Today · 4.125%
HK$89,030
baseline
▲ 0.50% · 4.625%
HK$93,723
+HK$4,693/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,060/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,580
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$91,336
−HK$2,799/mo
Today · 4.125%
HK$94,135
baseline
▲ 0.50% · 4.625%
HK$99,863
+HK$5,728/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,270/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,545
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$101,187
−HK$2,682/mo
Today · 4.125%
HK$103,869
baseline
▲ 0.50% · 4.625%
HK$109,344
+HK$5,475/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,738/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,889
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$117,431
−HK$3,600/mo
Today · 4.125%
HK$121,031
baseline
▲ 0.50% · 4.625%
HK$128,395
+HK$7,364/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$242,062/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,700
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$130,098
−HK$3,447/mo
Today · 4.125%
HK$133,545
baseline
▲ 0.50% · 4.625%
HK$140,585
+HK$7,040/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$267,090/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,272 · Scale 2, in force from 26 Feb 2026)