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$63,058
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,019
−HK$1,993/mo
Today · 4.125%
HK$67,012
baseline
▲ 0.50% · 4.625%
HK$71,090
+HK$4,078/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,024/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,151
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,033
−HK$1,908/mo
Today · 4.125%
HK$73,941
baseline
▲ 0.50% · 4.625%
HK$77,839
+HK$3,898/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,882/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,670
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,023
−HK$2,392/mo
Today · 4.125%
HK$80,415
baseline
▲ 0.50% · 4.625%
HK$85,308
+HK$4,893/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,830/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,182
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,439
−HK$2,291/mo
Today · 4.125%
HK$88,730
baseline
▲ 0.50% · 4.625%
HK$93,407
+HK$4,677/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,460/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,281
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,027
−HK$2,790/mo
Today · 4.125%
HK$93,817
baseline
▲ 0.50% · 4.625%
HK$99,526
+HK$5,709/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,634/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,212
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,846
−HK$2,672/mo
Today · 4.125%
HK$103,518
baseline
▲ 0.50% · 4.625%
HK$108,974
+HK$5,456/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,036/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,504
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$117,035
−HK$3,587/mo
Today · 4.125%
HK$120,622
baseline
▲ 0.50% · 4.625%
HK$127,962
+HK$7,340/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,244/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,272
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$129,659
−HK$3,435/mo
Today · 4.125%
HK$133,094
baseline
▲ 0.50% · 4.625%
HK$140,110
+HK$7,016/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,188/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,290 · Scale 2, in force from 26 Feb 2026)