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$63,164
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,129
−HK$1,996/mo
Today · 4.125%
HK$67,125
baseline
▲ 0.50% · 4.625%
HK$71,209
+HK$4,084/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,250/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,269
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,154
−HK$1,912/mo
Today · 4.125%
HK$74,066
baseline
▲ 0.50% · 4.625%
HK$77,970
+HK$3,904/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,132/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,797
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,155
−HK$2,395/mo
Today · 4.125%
HK$80,550
baseline
▲ 0.50% · 4.625%
HK$85,451
+HK$4,901/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,100/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,323
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,585
−HK$2,294/mo
Today · 4.125%
HK$88,879
baseline
▲ 0.50% · 4.625%
HK$93,564
+HK$4,685/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,758/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,430
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,180
−HK$2,795/mo
Today · 4.125%
HK$93,975
baseline
▲ 0.50% · 4.625%
HK$99,693
+HK$5,718/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,950/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,377
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,015
−HK$2,677/mo
Today · 4.125%
HK$103,692
baseline
▲ 0.50% · 4.625%
HK$109,158
+HK$5,466/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,384/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,695
−HK$7,130/mo
▼ 0.25% · 3.875%
HK$117,232
−HK$3,593/mo
Today · 4.125%
HK$120,825
baseline
▲ 0.50% · 4.625%
HK$128,177
+HK$7,352/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$241,650/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,485
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$129,877
−HK$3,441/mo
Today · 4.125%
HK$133,318
baseline
▲ 0.50% · 4.625%
HK$140,346
+HK$7,028/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$266,636/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,267 · Scale 2, in force from 26 Feb 2026)