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$63,182
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,147
−HK$1,997/mo
Today · 4.125%
HK$67,144
baseline
▲ 0.50% · 4.625%
HK$71,230
+HK$4,086/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,288/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,289
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,175
−HK$1,912/mo
Today · 4.125%
HK$74,087
baseline
▲ 0.50% · 4.625%
HK$77,992
+HK$3,905/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,174/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,818
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,177
−HK$2,396/mo
Today · 4.125%
HK$80,573
baseline
▲ 0.50% · 4.625%
HK$85,476
+HK$4,903/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,146/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,347
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,609
−HK$2,295/mo
Today · 4.125%
HK$88,904
baseline
▲ 0.50% · 4.625%
HK$93,591
+HK$4,687/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,808/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,455
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,206
−HK$2,796/mo
Today · 4.125%
HK$94,002
baseline
▲ 0.50% · 4.625%
HK$99,722
+HK$5,720/mo
Deposit HK$8.31M · loan HK$19.40M · min. income ≈ HK$188,004/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,405
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$101,044
−HK$2,678/mo
Today · 4.125%
HK$103,722
baseline
▲ 0.50% · 4.625%
HK$109,189
+HK$5,467/mo
Deposit HK$8.31M · loan HK$19.40M · min. income ≈ HK$207,444/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,728
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$117,265
−HK$3,594/mo
Today · 4.125%
HK$120,859
baseline
▲ 0.50% · 4.625%
HK$128,213
+HK$7,354/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$241,718/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,521
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$129,914
−HK$3,442/mo
Today · 4.125%
HK$133,356
baseline
▲ 0.50% · 4.625%
HK$140,386
+HK$7,030/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$266,712/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,604 · Scale 2, in force from 26 Feb 2026)