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$63,110
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,073
−HK$1,995/mo
Today · 4.125%
HK$67,068
baseline
▲ 0.50% · 4.625%
HK$71,148
+HK$4,080/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,136/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,176,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,209
−HK$3,793/mo
▼ 0.25% · 3.875%
HK$72,092
−HK$1,910/mo
Today · 4.125%
HK$74,002
baseline
▲ 0.50% · 4.625%
HK$77,903
+HK$3,901/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,004/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,176,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,732
−HK$4,749/mo
▼ 0.25% · 3.875%
HK$78,088
−HK$2,393/mo
Today · 4.125%
HK$80,481
baseline
▲ 0.50% · 4.625%
HK$85,378
+HK$4,897/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$160,962/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,251
−HK$4,552/mo
▼ 0.25% · 3.875%
HK$86,511
−HK$2,292/mo
Today · 4.125%
HK$88,803
baseline
▲ 0.50% · 4.625%
HK$93,484
+HK$4,681/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$177,606/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,354
−HK$5,541/mo
▼ 0.25% · 3.875%
HK$91,102
−HK$2,793/mo
Today · 4.125%
HK$93,895
baseline
▲ 0.50% · 4.625%
HK$99,608
+HK$5,713/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$187,790/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,293
−HK$5,310/mo
▼ 0.25% · 3.875%
HK$100,929
−HK$2,674/mo
Today · 4.125%
HK$103,603
baseline
▲ 0.50% · 4.625%
HK$109,065
+HK$5,462/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$207,206/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,598
−HK$7,124/mo
▼ 0.25% · 3.875%
HK$117,132
−HK$3,590/mo
Today · 4.125%
HK$120,722
baseline
▲ 0.50% · 4.625%
HK$128,067
+HK$7,345/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$241,444/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,377
−HK$6,827/mo
▼ 0.25% · 3.875%
HK$129,766
−HK$3,438/mo
Today · 4.125%
HK$133,204
baseline
▲ 0.50% · 4.625%
HK$140,226
+HK$7,022/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$266,408/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,261 · Scale 2, in force from 26 Feb 2026)