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$63,064
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,026
−HK$1,993/mo
Today · 4.125%
HK$67,019
baseline
▲ 0.50% · 4.625%
HK$71,097
+HK$4,078/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,038/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,158
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,040
−HK$1,908/mo
Today · 4.125%
HK$73,948
baseline
▲ 0.50% · 4.625%
HK$77,846
+HK$3,898/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,896/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,677
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,031
−HK$2,391/mo
Today · 4.125%
HK$80,422
baseline
▲ 0.50% · 4.625%
HK$85,316
+HK$4,894/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,844/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,190
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,447
−HK$2,291/mo
Today · 4.125%
HK$88,738
baseline
▲ 0.50% · 4.625%
HK$93,416
+HK$4,678/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,476/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,289
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,036
−HK$2,790/mo
Today · 4.125%
HK$93,826
baseline
▲ 0.50% · 4.625%
HK$99,535
+HK$5,709/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,652/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,221
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$100,855
−HK$2,673/mo
Today · 4.125%
HK$103,528
baseline
▲ 0.50% · 4.625%
HK$108,985
+HK$5,457/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,056/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,515
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$117,046
−HK$3,587/mo
Today · 4.125%
HK$120,633
baseline
▲ 0.50% · 4.625%
HK$127,974
+HK$7,341/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,266/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,284
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$129,671
−HK$3,436/mo
Today · 4.125%
HK$133,107
baseline
▲ 0.50% · 4.625%
HK$140,123
+HK$7,016/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,214/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,402 · Scale 2, in force from 26 Feb 2026)