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$63,181
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,146
−HK$1,997/mo
Today · 4.125%
HK$67,143
baseline
▲ 0.50% · 4.625%
HK$71,228
+HK$4,085/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,286/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,288
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,173
−HK$1,912/mo
Today · 4.125%
HK$74,085
baseline
▲ 0.50% · 4.625%
HK$77,990
+HK$3,905/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,170/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,817
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,175
−HK$2,396/mo
Today · 4.125%
HK$80,571
baseline
▲ 0.50% · 4.625%
HK$85,474
+HK$4,903/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,142/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,345
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,608
−HK$2,294/mo
Today · 4.125%
HK$88,902
baseline
▲ 0.50% · 4.625%
HK$93,589
+HK$4,687/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,804/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,453
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,204
−HK$2,796/mo
Today · 4.125%
HK$94,000
baseline
▲ 0.50% · 4.625%
HK$99,719
+HK$5,719/mo
Deposit HK$8.31M · loan HK$19.40M · min. income ≈ HK$188,000/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,403
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,042
−HK$2,677/mo
Today · 4.125%
HK$103,719
baseline
▲ 0.50% · 4.625%
HK$109,187
+HK$5,468/mo
Deposit HK$8.31M · loan HK$19.40M · min. income ≈ HK$207,438/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,725
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$117,263
−HK$3,594/mo
Today · 4.125%
HK$120,857
baseline
▲ 0.50% · 4.625%
HK$128,211
+HK$7,354/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$241,714/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,518
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$129,911
−HK$3,443/mo
Today · 4.125%
HK$133,354
baseline
▲ 0.50% · 4.625%
HK$140,383
+HK$7,029/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$266,708/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,579 · Scale 2, in force from 26 Feb 2026)