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$63,223
−HK$3,965/mo
▼ 0.25% · 3.875%
HK$65,189
−HK$1,999/mo
Today · 4.125%
HK$67,188
baseline
▲ 0.50% · 4.625%
HK$71,276
+HK$4,088/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,376/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,335
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,221
−HK$1,914/mo
Today · 4.125%
HK$74,135
baseline
▲ 0.50% · 4.625%
HK$78,043
+HK$3,908/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,270/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,867
−HK$4,758/mo
▼ 0.25% · 3.875%
HK$78,227
−HK$2,398/mo
Today · 4.125%
HK$80,625
baseline
▲ 0.50% · 4.625%
HK$85,531
+HK$4,906/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$161,250/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,402
−HK$4,560/mo
▼ 0.25% · 3.875%
HK$86,665
−HK$2,297/mo
Today · 4.125%
HK$88,962
baseline
▲ 0.50% · 4.625%
HK$93,651
+HK$4,689/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$177,924/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,512
−HK$5,551/mo
▼ 0.25% · 3.875%
HK$91,265
−HK$2,798/mo
Today · 4.125%
HK$94,063
baseline
▲ 0.50% · 4.625%
HK$99,786
+HK$5,723/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$188,126/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,469
−HK$5,320/mo
▼ 0.25% · 3.875%
HK$101,110
−HK$2,679/mo
Today · 4.125%
HK$103,789
baseline
▲ 0.50% · 4.625%
HK$109,260
+HK$5,471/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$207,578/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,801
−HK$7,137/mo
▼ 0.25% · 3.875%
HK$117,341
−HK$3,597/mo
Today · 4.125%
HK$120,938
baseline
▲ 0.50% · 4.625%
HK$128,296
+HK$7,358/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$241,876/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,603
−HK$6,840/mo
▼ 0.25% · 3.875%
HK$129,998
−HK$3,445/mo
Today · 4.125%
HK$133,443
baseline
▲ 0.50% · 4.625%
HK$140,477
+HK$7,034/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$266,886/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,365 · Scale 2, in force from 26 Feb 2026)