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$63,068
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,030
−HK$1,993/mo
Today · 4.125%
HK$67,023
baseline
▲ 0.50% · 4.625%
HK$71,102
+HK$4,079/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,046/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,163
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,045
−HK$1,909/mo
Today · 4.125%
HK$73,954
baseline
▲ 0.50% · 4.625%
HK$77,852
+HK$3,898/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,908/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,682
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,036
−HK$2,392/mo
Today · 4.125%
HK$80,428
baseline
▲ 0.50% · 4.625%
HK$85,322
+HK$4,894/mo
Deposit HK$11.06M · loan HK$16.60M · min. income ≈ HK$160,856/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,196
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,454
−HK$2,290/mo
Today · 4.125%
HK$88,744
baseline
▲ 0.50% · 4.625%
HK$93,422
+HK$4,678/mo
Deposit HK$11.06M · loan HK$16.60M · min. income ≈ HK$177,488/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,296
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,042
−HK$2,791/mo
Today · 4.125%
HK$93,833
baseline
▲ 0.50% · 4.625%
HK$99,542
+HK$5,709/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,666/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,228
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$100,863
−HK$2,672/mo
Today · 4.125%
HK$103,535
baseline
▲ 0.50% · 4.625%
HK$108,993
+HK$5,458/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,070/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,523
−HK$7,119/mo
▼ 0.25% · 3.875%
HK$117,054
−HK$3,588/mo
Today · 4.125%
HK$120,642
baseline
▲ 0.50% · 4.625%
HK$127,983
+HK$7,341/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,284/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,293
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$129,681
−HK$3,436/mo
Today · 4.125%
HK$133,117
baseline
▲ 0.50% · 4.625%
HK$140,133
+HK$7,016/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,234/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,487 · Scale 2, in force from 26 Feb 2026)