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$63,327
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,297
−HK$2,001/mo
Today · 4.125%
HK$67,298
baseline
▲ 0.50% · 4.625%
HK$71,393
+HK$4,095/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$134,596/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,450
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,340
−HK$1,917/mo
Today · 4.125%
HK$74,257
baseline
▲ 0.50% · 4.625%
HK$78,171
+HK$3,914/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$148,514/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,992
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,356
−HK$2,401/mo
Today · 4.125%
HK$80,757
baseline
▲ 0.50% · 4.625%
HK$85,671
+HK$4,914/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$161,514/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,540
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,808
−HK$2,300/mo
Today · 4.125%
HK$89,108
baseline
▲ 0.50% · 4.625%
HK$93,805
+HK$4,697/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$178,216/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,657
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,415
−HK$2,802/mo
Today · 4.125%
HK$94,217
baseline
▲ 0.50% · 4.625%
HK$99,950
+HK$5,733/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$188,434/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,631
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,276
−HK$2,683/mo
Today · 4.125%
HK$103,959
baseline
▲ 0.50% · 4.625%
HK$109,439
+HK$5,480/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$207,918/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,988
−HK$7,148/mo
▼ 0.25% · 3.875%
HK$117,534
−HK$3,602/mo
Today · 4.125%
HK$121,136
baseline
▲ 0.50% · 4.625%
HK$128,507
+HK$7,371/mo
Deposit HK$2.78M · loan HK$24.99M · min. income ≈ HK$242,272/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,811
−HK$6,851/mo
▼ 0.25% · 3.875%
HK$130,212
−HK$3,450/mo
Today · 4.125%
HK$133,662
baseline
▲ 0.50% · 4.625%
HK$140,707
+HK$7,045/mo
Deposit HK$2.78M · loan HK$24.99M · min. income ≈ HK$267,324/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,300 · Scale 2, in force from 26 Feb 2026)