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$63,165
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,130
−HK$1,996/mo
Today · 4.125%
HK$67,126
baseline
▲ 0.50% · 4.625%
HK$71,210
+HK$4,084/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,252/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,270
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,155
−HK$1,912/mo
Today · 4.125%
HK$74,067
baseline
▲ 0.50% · 4.625%
HK$77,971
+HK$3,904/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,134/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,798
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,155
−HK$2,396/mo
Today · 4.125%
HK$80,551
baseline
▲ 0.50% · 4.625%
HK$85,452
+HK$4,901/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,102/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,324
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,586
−HK$2,294/mo
Today · 4.125%
HK$88,880
baseline
▲ 0.50% · 4.625%
HK$93,565
+HK$4,685/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,760/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,431
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,181
−HK$2,795/mo
Today · 4.125%
HK$93,976
baseline
▲ 0.50% · 4.625%
HK$99,694
+HK$5,718/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,952/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,378
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,017
−HK$2,676/mo
Today · 4.125%
HK$103,693
baseline
▲ 0.50% · 4.625%
HK$109,159
+HK$5,466/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,386/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,697
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$117,233
−HK$3,593/mo
Today · 4.125%
HK$120,826
baseline
▲ 0.50% · 4.625%
HK$128,178
+HK$7,352/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$241,652/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,486
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$129,879
−HK$3,441/mo
Today · 4.125%
HK$133,320
baseline
▲ 0.50% · 4.625%
HK$140,347
+HK$7,027/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$266,640/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,281 · Scale 2, in force from 26 Feb 2026)