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$63,208
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,174
−HK$1,998/mo
Today · 4.125%
HK$67,172
baseline
▲ 0.50% · 4.625%
HK$71,259
+HK$4,087/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,344/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,318
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,204
−HK$1,913/mo
Today · 4.125%
HK$74,117
baseline
▲ 0.50% · 4.625%
HK$78,024
+HK$3,907/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,234/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,850
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,209
−HK$2,397/mo
Today · 4.125%
HK$80,606
baseline
▲ 0.50% · 4.625%
HK$85,511
+HK$4,905/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$161,212/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,382
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,645
−HK$2,296/mo
Today · 4.125%
HK$88,941
baseline
▲ 0.50% · 4.625%
HK$93,629
+HK$4,688/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$177,882/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,491
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$91,244
−HK$2,796/mo
Today · 4.125%
HK$94,040
baseline
▲ 0.50% · 4.625%
HK$99,762
+HK$5,722/mo
Deposit HK$8.32M · loan HK$19.40M · min. income ≈ HK$188,080/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,178,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,445
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,086
−HK$2,678/mo
Today · 4.125%
HK$103,764
baseline
▲ 0.50% · 4.625%
HK$109,234
+HK$5,470/mo
Deposit HK$8.32M · loan HK$19.40M · min. income ≈ HK$207,528/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,178,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,774
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$117,313
−HK$3,596/mo
Today · 4.125%
HK$120,909
baseline
▲ 0.50% · 4.625%
HK$128,266
+HK$7,357/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$241,818/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,573
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$129,967
−HK$3,444/mo
Today · 4.125%
HK$133,411
baseline
▲ 0.50% · 4.625%
HK$140,443
+HK$7,032/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$266,822/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,086 · Scale 2, in force from 26 Feb 2026)