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$63,239
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,206
−HK$1,999/mo
Today · 4.125%
HK$67,205
baseline
▲ 0.50% · 4.625%
HK$71,294
+HK$4,089/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,410/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,353
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,240
−HK$1,914/mo
Today · 4.125%
HK$74,154
baseline
▲ 0.50% · 4.625%
HK$78,063
+HK$3,909/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,308/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,887
−HK$4,759/mo
▼ 0.25% · 3.875%
HK$78,248
−HK$2,398/mo
Today · 4.125%
HK$80,646
baseline
▲ 0.50% · 4.625%
HK$85,553
+HK$4,907/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$161,292/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,424
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,688
−HK$2,297/mo
Today · 4.125%
HK$88,985
baseline
▲ 0.50% · 4.625%
HK$93,675
+HK$4,690/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$177,970/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,535
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,289
−HK$2,798/mo
Today · 4.125%
HK$94,087
baseline
▲ 0.50% · 4.625%
HK$99,812
+HK$5,725/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$188,174/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,494
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,136
−HK$2,680/mo
Today · 4.125%
HK$103,816
baseline
▲ 0.50% · 4.625%
HK$109,288
+HK$5,472/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$207,632/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,831
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$117,371
−HK$3,598/mo
Today · 4.125%
HK$120,969
baseline
▲ 0.50% · 4.625%
HK$128,330
+HK$7,361/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$241,938/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,636
−HK$6,841/mo
▼ 0.25% · 3.875%
HK$130,032
−HK$3,445/mo
Today · 4.125%
HK$133,477
baseline
▲ 0.50% · 4.625%
HK$140,513
+HK$7,036/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$266,954/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,670 · Scale 2, in force from 26 Feb 2026)