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$63,221
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,187
−HK$1,998/mo
Today · 4.125%
HK$67,185
baseline
▲ 0.50% · 4.625%
HK$71,273
+HK$4,088/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,370/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,332
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,218
−HK$1,914/mo
Today · 4.125%
HK$74,132
baseline
▲ 0.50% · 4.625%
HK$78,040
+HK$3,908/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,264/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,865
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,224
−HK$2,398/mo
Today · 4.125%
HK$80,622
baseline
▲ 0.50% · 4.625%
HK$85,528
+HK$4,906/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$161,244/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,399
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,662
−HK$2,296/mo
Today · 4.125%
HK$88,958
baseline
▲ 0.50% · 4.625%
HK$93,648
+HK$4,690/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$177,916/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,509
−HK$5,550/mo
▼ 0.25% · 3.875%
HK$91,262
−HK$2,797/mo
Today · 4.125%
HK$94,059
baseline
▲ 0.50% · 4.625%
HK$99,782
+HK$5,723/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$188,118/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,465
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$101,106
−HK$2,679/mo
Today · 4.125%
HK$103,785
baseline
▲ 0.50% · 4.625%
HK$109,255
+HK$5,470/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$207,570/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,797
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$117,337
−HK$3,596/mo
Today · 4.125%
HK$120,933
baseline
▲ 0.50% · 4.625%
HK$128,291
+HK$7,358/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$241,866/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,598
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$129,993
−HK$3,445/mo
Today · 4.125%
HK$133,438
baseline
▲ 0.50% · 4.625%
HK$140,471
+HK$7,033/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$266,876/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,321 · Scale 2, in force from 26 Feb 2026)