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$63,249
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,216
−HK$1,999/mo
Today · 4.125%
HK$67,215
baseline
▲ 0.50% · 4.625%
HK$71,305
+HK$4,090/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,430/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,364
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,251
−HK$1,914/mo
Today · 4.125%
HK$74,165
baseline
▲ 0.50% · 4.625%
HK$78,074
+HK$3,909/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,330/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,898
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,259
−HK$2,399/mo
Today · 4.125%
HK$80,658
baseline
▲ 0.50% · 4.625%
HK$85,566
+HK$4,908/mo
Deposit HK$11.10M · loan HK$16.64M · min. income ≈ HK$161,316/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,436
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,701
−HK$2,297/mo
Today · 4.125%
HK$88,998
baseline
▲ 0.50% · 4.625%
HK$93,689
+HK$4,691/mo
Deposit HK$11.10M · loan HK$16.64M · min. income ≈ HK$177,996/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,548
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,303
−HK$2,798/mo
Today · 4.125%
HK$94,101
baseline
▲ 0.50% · 4.625%
HK$99,827
+HK$5,726/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,202/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,509
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,151
−HK$2,680/mo
Today · 4.125%
HK$103,831
baseline
▲ 0.50% · 4.625%
HK$109,304
+HK$5,473/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,662/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,848
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$117,389
−HK$3,598/mo
Today · 4.125%
HK$120,987
baseline
▲ 0.50% · 4.625%
HK$128,349
+HK$7,362/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$241,974/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,654
−HK$6,843/mo
▼ 0.25% · 3.875%
HK$130,051
−HK$3,446/mo
Today · 4.125%
HK$133,497
baseline
▲ 0.50% · 4.625%
HK$140,534
+HK$7,037/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$266,994/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,846 · Scale 2, in force from 26 Feb 2026)