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$63,240
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,208
−HK$1,998/mo
Today · 4.125%
HK$67,206
baseline
▲ 0.50% · 4.625%
HK$71,296
+HK$4,090/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,412/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,354
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,241
−HK$1,914/mo
Today · 4.125%
HK$74,155
baseline
▲ 0.50% · 4.625%
HK$78,064
+HK$3,909/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,310/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,889
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,249
−HK$2,398/mo
Today · 4.125%
HK$80,647
baseline
▲ 0.50% · 4.625%
HK$85,555
+HK$4,908/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$161,294/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,425
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,690
−HK$2,297/mo
Today · 4.125%
HK$88,987
baseline
▲ 0.50% · 4.625%
HK$93,677
+HK$4,690/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$177,974/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,537
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,291
−HK$2,798/mo
Today · 4.125%
HK$94,089
baseline
▲ 0.50% · 4.625%
HK$99,814
+HK$5,725/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$188,178/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,496
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,138
−HK$2,680/mo
Today · 4.125%
HK$103,818
baseline
▲ 0.50% · 4.625%
HK$109,290
+HK$5,472/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$207,636/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,833
−HK$7,138/mo
▼ 0.25% · 3.875%
HK$117,374
−HK$3,597/mo
Today · 4.125%
HK$120,971
baseline
▲ 0.50% · 4.625%
HK$128,332
+HK$7,361/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$241,942/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,638
−HK$6,842/mo
▼ 0.25% · 3.875%
HK$130,034
−HK$3,446/mo
Today · 4.125%
HK$133,480
baseline
▲ 0.50% · 4.625%
HK$140,516
+HK$7,036/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$266,960/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,693 · Scale 2, in force from 26 Feb 2026)