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$63,063
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,025
−HK$1,993/mo
Today · 4.125%
HK$67,018
baseline
▲ 0.50% · 4.625%
HK$71,095
+HK$4,077/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,036/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,157
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,039
−HK$1,908/mo
Today · 4.125%
HK$73,947
baseline
▲ 0.50% · 4.625%
HK$77,845
+HK$3,898/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,894/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,676
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,030
−HK$2,391/mo
Today · 4.125%
HK$80,421
baseline
▲ 0.50% · 4.625%
HK$85,315
+HK$4,894/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,842/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,188
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,446
−HK$2,291/mo
Today · 4.125%
HK$88,737
baseline
▲ 0.50% · 4.625%
HK$93,414
+HK$4,677/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,474/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,288
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,034
−HK$2,791/mo
Today · 4.125%
HK$93,825
baseline
▲ 0.50% · 4.625%
HK$99,534
+HK$5,709/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,650/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,220
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,854
−HK$2,672/mo
Today · 4.125%
HK$103,526
baseline
▲ 0.50% · 4.625%
HK$108,983
+HK$5,457/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,052/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,513
−HK$7,119/mo
▼ 0.25% · 3.875%
HK$117,044
−HK$3,588/mo
Today · 4.125%
HK$120,632
baseline
▲ 0.50% · 4.625%
HK$127,972
+HK$7,340/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,264/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,283
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$129,669
−HK$3,436/mo
Today · 4.125%
HK$133,105
baseline
▲ 0.50% · 4.625%
HK$140,121
+HK$7,016/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,210/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,385 · Scale 2, in force from 26 Feb 2026)