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$63,260
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,228
−HK$1,999/mo
Today · 4.125%
HK$67,227
baseline
▲ 0.50% · 4.625%
HK$71,317
+HK$4,090/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,454/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,376
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,263
−HK$1,915/mo
Today · 4.125%
HK$74,178
baseline
▲ 0.50% · 4.625%
HK$78,088
+HK$3,910/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,356/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,912
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,273
−HK$2,399/mo
Today · 4.125%
HK$80,672
baseline
▲ 0.50% · 4.625%
HK$85,581
+HK$4,909/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,344/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,451
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,716
−HK$2,298/mo
Today · 4.125%
HK$89,014
baseline
▲ 0.50% · 4.625%
HK$93,706
+HK$4,692/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,028/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,564
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,319
−HK$2,798/mo
Today · 4.125%
HK$94,117
baseline
▲ 0.50% · 4.625%
HK$99,844
+HK$5,727/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,234/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,526
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,169
−HK$2,680/mo
Today · 4.125%
HK$103,849
baseline
▲ 0.50% · 4.625%
HK$109,323
+HK$5,474/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,698/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,868
−HK$7,140/mo
▼ 0.25% · 3.875%
HK$117,410
−HK$3,598/mo
Today · 4.125%
HK$121,008
baseline
▲ 0.50% · 4.625%
HK$128,371
+HK$7,363/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$242,016/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,053 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,677
−HK$6,844/mo
▼ 0.25% · 3.875%
HK$130,074
−HK$3,447/mo
Today · 4.125%
HK$133,521
baseline
▲ 0.50% · 4.625%
HK$140,559
+HK$7,038/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$267,042/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,053 · Scale 2, in force from 26 Feb 2026)