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$63,248
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,216
−HK$1,999/mo
Today · 4.125%
HK$67,215
baseline
▲ 0.50% · 4.625%
HK$71,304
+HK$4,089/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,430/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,363
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,250
−HK$1,915/mo
Today · 4.125%
HK$74,165
baseline
▲ 0.50% · 4.625%
HK$78,074
+HK$3,909/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,330/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,898
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,259
−HK$2,399/mo
Today · 4.125%
HK$80,658
baseline
▲ 0.50% · 4.625%
HK$85,565
+HK$4,907/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$161,316/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,436
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,700
−HK$2,298/mo
Today · 4.125%
HK$88,998
baseline
▲ 0.50% · 4.625%
HK$93,689
+HK$4,691/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$177,996/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,548
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,302
−HK$2,798/mo
Today · 4.125%
HK$94,100
baseline
▲ 0.50% · 4.625%
HK$99,826
+HK$5,726/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,200/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,508
−HK$5,323/mo
▼ 0.25% · 3.875%
HK$101,150
−HK$2,681/mo
Today · 4.125%
HK$103,831
baseline
▲ 0.50% · 4.625%
HK$109,304
+HK$5,473/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,662/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,847
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$117,388
−HK$3,598/mo
Today · 4.125%
HK$120,986
baseline
▲ 0.50% · 4.625%
HK$128,348
+HK$7,362/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$241,972/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,654
−HK$6,842/mo
▼ 0.25% · 3.875%
HK$130,051
−HK$3,445/mo
Today · 4.125%
HK$133,496
baseline
▲ 0.50% · 4.625%
HK$140,533
+HK$7,037/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$266,992/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,840 · Scale 2, in force from 26 Feb 2026)