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$63,081
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,044
−HK$1,993/mo
Today · 4.125%
HK$67,037
baseline
▲ 0.50% · 4.625%
HK$71,116
+HK$4,079/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,074/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,177
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,059
−HK$1,910/mo
Today · 4.125%
HK$73,969
baseline
▲ 0.50% · 4.625%
HK$77,868
+HK$3,899/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,938/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,698
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,052
−HK$2,393/mo
Today · 4.125%
HK$80,445
baseline
▲ 0.50% · 4.625%
HK$85,339
+HK$4,894/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$160,890/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,213
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,471
−HK$2,292/mo
Today · 4.125%
HK$88,763
baseline
▲ 0.50% · 4.625%
HK$93,441
+HK$4,678/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$177,526/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,314
−HK$5,538/mo
▼ 0.25% · 3.875%
HK$91,061
−HK$2,791/mo
Today · 4.125%
HK$93,852
baseline
▲ 0.50% · 4.625%
HK$99,563
+HK$5,711/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,704/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,248
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,883
−HK$2,673/mo
Today · 4.125%
HK$103,556
baseline
▲ 0.50% · 4.625%
HK$109,015
+HK$5,459/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,112/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,546
−HK$7,121/mo
▼ 0.25% · 3.875%
HK$117,078
−HK$3,589/mo
Today · 4.125%
HK$120,667
baseline
▲ 0.50% · 4.625%
HK$128,009
+HK$7,342/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$241,334/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,319
−HK$6,825/mo
▼ 0.25% · 3.875%
HK$129,707
−HK$3,437/mo
Today · 4.125%
HK$133,144
baseline
▲ 0.50% · 4.625%
HK$140,162
+HK$7,018/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$266,288/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,727 · Scale 2, in force from 26 Feb 2026)