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$63,376
−HK$3,974/mo
▼ 0.25% · 3.875%
HK$65,347
−HK$2,003/mo
Today · 4.125%
HK$67,350
baseline
▲ 0.50% · 4.625%
HK$71,448
+HK$4,098/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$134,700/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,505
−HK$3,809/mo
▼ 0.25% · 3.875%
HK$72,396
−HK$1,918/mo
Today · 4.125%
HK$74,314
baseline
▲ 0.50% · 4.625%
HK$78,231
+HK$3,917/mo
Deposit HK$13.90M · loan HK$13.90M · min. income ≈ HK$148,628/mo (50% DSR)
Upfront cash ≈ HK$15.08M (deposit + AVD stamp duty HK$1,181,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,051
−HK$4,769/mo
▼ 0.25% · 3.875%
HK$78,416
−HK$2,404/mo
Today · 4.125%
HK$80,820
baseline
▲ 0.50% · 4.625%
HK$85,737
+HK$4,917/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$161,640/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,606
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$86,875
−HK$2,302/mo
Today · 4.125%
HK$89,177
baseline
▲ 0.50% · 4.625%
HK$93,877
+HK$4,700/mo
Deposit HK$11.12M · loan HK$16.68M · min. income ≈ HK$178,354/mo (50% DSR)
Upfront cash ≈ HK$12.30M (deposit + AVD stamp duty HK$1,181,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,726
−HK$5,564/mo
▼ 0.25% · 3.875%
HK$91,486
−HK$2,804/mo
Today · 4.125%
HK$94,290
baseline
▲ 0.50% · 4.625%
HK$100,027
+HK$5,737/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$188,580/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,707
−HK$5,332/mo
▼ 0.25% · 3.875%
HK$101,354
−HK$2,685/mo
Today · 4.125%
HK$104,039
baseline
▲ 0.50% · 4.625%
HK$109,523
+HK$5,484/mo
Deposit HK$8.34M · loan HK$19.46M · min. income ≈ HK$208,078/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,181,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,076
−HK$7,154/mo
▼ 0.25% · 3.875%
HK$117,624
−HK$3,606/mo
Today · 4.125%
HK$121,230
baseline
▲ 0.50% · 4.625%
HK$128,606
+HK$7,376/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$242,460/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,908
−HK$6,857/mo
▼ 0.25% · 3.875%
HK$130,312
−HK$3,453/mo
Today · 4.125%
HK$133,765
baseline
▲ 0.50% · 4.625%
HK$140,816
+HK$7,051/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$267,530/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,181,210 · Scale 2, in force from 26 Feb 2026)