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$63,133
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,097
−HK$1,995/mo
Today · 4.125%
HK$67,092
baseline
▲ 0.50% · 4.625%
HK$71,175
+HK$4,083/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,184/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,235
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,119
−HK$1,911/mo
Today · 4.125%
HK$74,030
baseline
▲ 0.50% · 4.625%
HK$77,932
+HK$3,902/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,060/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,760
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,117
−HK$2,394/mo
Today · 4.125%
HK$80,511
baseline
▲ 0.50% · 4.625%
HK$85,410
+HK$4,899/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$161,022/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,282
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,543
−HK$2,293/mo
Today · 4.125%
HK$88,836
baseline
▲ 0.50% · 4.625%
HK$93,518
+HK$4,682/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$177,672/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,387
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$91,136
−HK$2,793/mo
Today · 4.125%
HK$93,929
baseline
▲ 0.50% · 4.625%
HK$99,645
+HK$5,716/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$187,858/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,329
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,966
−HK$2,676/mo
Today · 4.125%
HK$103,642
baseline
▲ 0.50% · 4.625%
HK$109,105
+HK$5,463/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$207,284/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,640
−HK$7,126/mo
▼ 0.25% · 3.875%
HK$117,175
−HK$3,591/mo
Today · 4.125%
HK$120,766
baseline
▲ 0.50% · 4.625%
HK$128,114
+HK$7,348/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$241,532/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,423
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$129,814
−HK$3,440/mo
Today · 4.125%
HK$133,254
baseline
▲ 0.50% · 4.625%
HK$140,277
+HK$7,023/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$266,508/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,695 · Scale 2, in force from 26 Feb 2026)