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$63,153
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,118
−HK$1,996/mo
Today · 4.125%
HK$67,114
baseline
▲ 0.50% · 4.625%
HK$71,197
+HK$4,083/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,228/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,177,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,258
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,142
−HK$1,911/mo
Today · 4.125%
HK$74,053
baseline
▲ 0.50% · 4.625%
HK$77,957
+HK$3,904/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,106/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,177,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,784
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,141
−HK$2,395/mo
Today · 4.125%
HK$80,536
baseline
▲ 0.50% · 4.625%
HK$85,437
+HK$4,901/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,072/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,309
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,570
−HK$2,294/mo
Today · 4.125%
HK$88,864
baseline
▲ 0.50% · 4.625%
HK$93,548
+HK$4,684/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,728/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,415
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,165
−HK$2,794/mo
Today · 4.125%
HK$93,959
baseline
▲ 0.50% · 4.625%
HK$99,676
+HK$5,717/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,918/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,361
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$100,999
−HK$2,676/mo
Today · 4.125%
HK$103,675
baseline
▲ 0.50% · 4.625%
HK$109,140
+HK$5,465/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,350/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,676
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$117,212
−HK$3,593/mo
Today · 4.125%
HK$120,805
baseline
▲ 0.50% · 4.625%
HK$128,155
+HK$7,350/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$241,610/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,464
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$129,855
−HK$3,441/mo
Today · 4.125%
HK$133,296
baseline
▲ 0.50% · 4.625%
HK$140,322
+HK$7,026/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$266,592/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,070 · Scale 2, in force from 26 Feb 2026)