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$63,072
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,034
−HK$1,993/mo
Today · 4.125%
HK$67,027
baseline
▲ 0.50% · 4.625%
HK$71,105
+HK$4,078/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,054/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,167
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,049
−HK$1,909/mo
Today · 4.125%
HK$73,958
baseline
▲ 0.50% · 4.625%
HK$77,856
+HK$3,898/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,916/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,686
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,041
−HK$2,391/mo
Today · 4.125%
HK$80,432
baseline
▲ 0.50% · 4.625%
HK$85,327
+HK$4,895/mo
Deposit HK$11.06M · loan HK$16.60M · min. income ≈ HK$160,864/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,200
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,458
−HK$2,291/mo
Today · 4.125%
HK$88,749
baseline
▲ 0.50% · 4.625%
HK$93,427
+HK$4,678/mo
Deposit HK$11.06M · loan HK$16.60M · min. income ≈ HK$177,498/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,301
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,047
−HK$2,791/mo
Today · 4.125%
HK$93,838
baseline
▲ 0.50% · 4.625%
HK$99,548
+HK$5,710/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,676/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,234
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$100,868
−HK$2,673/mo
Today · 4.125%
HK$103,541
baseline
▲ 0.50% · 4.625%
HK$108,999
+HK$5,458/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,082/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,529
−HK$7,120/mo
▼ 0.25% · 3.875%
HK$117,061
−HK$3,588/mo
Today · 4.125%
HK$120,649
baseline
▲ 0.50% · 4.625%
HK$127,990
+HK$7,341/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,298/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,300
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$129,688
−HK$3,436/mo
Today · 4.125%
HK$133,124
baseline
▲ 0.50% · 4.625%
HK$140,141
+HK$7,017/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,248/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,550 · Scale 2, in force from 26 Feb 2026)