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$63,296
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,265
−HK$2,000/mo
Today · 4.125%
HK$67,265
baseline
▲ 0.50% · 4.625%
HK$71,358
+HK$4,093/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$134,530/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,416
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,305
−HK$1,915/mo
Today · 4.125%
HK$74,220
baseline
▲ 0.50% · 4.625%
HK$78,133
+HK$3,913/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$148,440/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,955
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,318
−HK$2,400/mo
Today · 4.125%
HK$80,718
baseline
▲ 0.50% · 4.625%
HK$85,630
+HK$4,912/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,436/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,499
−HK$4,566/mo
▼ 0.25% · 3.875%
HK$86,766
−HK$2,299/mo
Today · 4.125%
HK$89,065
baseline
▲ 0.50% · 4.625%
HK$93,759
+HK$4,694/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,130/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,614
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$91,371
−HK$2,800/mo
Today · 4.125%
HK$94,171
baseline
▲ 0.50% · 4.625%
HK$99,901
+HK$5,730/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$188,342/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,583
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$101,226
−HK$2,683/mo
Today · 4.125%
HK$103,909
baseline
▲ 0.50% · 4.625%
HK$109,386
+HK$5,477/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$207,818/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,933
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$117,477
−HK$3,600/mo
Today · 4.125%
HK$121,077
baseline
▲ 0.50% · 4.625%
HK$128,445
+HK$7,368/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$242,154/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,749
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$130,148
−HK$3,449/mo
Today · 4.125%
HK$133,597
baseline
▲ 0.50% · 4.625%
HK$140,639
+HK$7,042/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$267,194/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,726 · Scale 2, in force from 26 Feb 2026)