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$63,052
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,014
−HK$1,992/mo
Today · 4.125%
HK$67,006
baseline
▲ 0.50% · 4.625%
HK$71,084
+HK$4,078/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,012/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,145
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,027
−HK$1,908/mo
Today · 4.125%
HK$73,935
baseline
▲ 0.50% · 4.625%
HK$77,832
+HK$3,897/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,870/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,663
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,017
−HK$2,391/mo
Today · 4.125%
HK$80,408
baseline
▲ 0.50% · 4.625%
HK$85,300
+HK$4,892/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,816/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,174
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,432
−HK$2,290/mo
Today · 4.125%
HK$88,722
baseline
▲ 0.50% · 4.625%
HK$93,399
+HK$4,677/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,444/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,273
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,019
−HK$2,790/mo
Today · 4.125%
HK$93,809
baseline
▲ 0.50% · 4.625%
HK$99,517
+HK$5,708/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,618/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,203
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,837
−HK$2,672/mo
Today · 4.125%
HK$103,509
baseline
▲ 0.50% · 4.625%
HK$108,965
+HK$5,456/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,018/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,494
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$117,025
−HK$3,587/mo
Today · 4.125%
HK$120,612
baseline
▲ 0.50% · 4.625%
HK$127,951
+HK$7,339/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,224/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,261
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$129,648
−HK$3,435/mo
Today · 4.125%
HK$133,083
baseline
▲ 0.50% · 4.625%
HK$140,098
+HK$7,015/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,166/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,189 · Scale 2, in force from 26 Feb 2026)