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$63,183
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,148
−HK$1,997/mo
Today · 4.125%
HK$67,145
baseline
▲ 0.50% · 4.625%
HK$71,230
+HK$4,085/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,290/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,290
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,175
−HK$1,913/mo
Today · 4.125%
HK$74,088
baseline
▲ 0.50% · 4.625%
HK$77,993
+HK$3,905/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,176/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,819
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,178
−HK$2,396/mo
Today · 4.125%
HK$80,574
baseline
▲ 0.50% · 4.625%
HK$85,476
+HK$4,902/mo
Deposit HK$11.08M · loan HK$16.63M · min. income ≈ HK$161,148/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,348
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,610
−HK$2,295/mo
Today · 4.125%
HK$88,905
baseline
▲ 0.50% · 4.625%
HK$93,591
+HK$4,686/mo
Deposit HK$11.08M · loan HK$16.63M · min. income ≈ HK$177,810/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,456
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,207
−HK$2,796/mo
Today · 4.125%
HK$94,003
baseline
▲ 0.50% · 4.625%
HK$99,722
+HK$5,719/mo
Deposit HK$8.31M · loan HK$19.40M · min. income ≈ HK$188,006/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,406
−HK$5,317/mo
▼ 0.25% · 3.875%
HK$101,045
−HK$2,678/mo
Today · 4.125%
HK$103,723
baseline
▲ 0.50% · 4.625%
HK$109,190
+HK$5,467/mo
Deposit HK$8.31M · loan HK$19.40M · min. income ≈ HK$207,446/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,729
−HK$7,132/mo
▼ 0.25% · 3.875%
HK$117,266
−HK$3,595/mo
Today · 4.125%
HK$120,861
baseline
▲ 0.50% · 4.625%
HK$128,215
+HK$7,354/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$241,722/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,522
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$129,915
−HK$3,443/mo
Today · 4.125%
HK$133,358
baseline
▲ 0.50% · 4.625%
HK$140,387
+HK$7,029/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$266,716/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,615 · Scale 2, in force from 26 Feb 2026)