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$63,302
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,271
−HK$2,000/mo
Today · 4.125%
HK$67,271
baseline
▲ 0.50% · 4.625%
HK$71,364
+HK$4,093/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$134,542/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,422
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,311
−HK$1,916/mo
Today · 4.125%
HK$74,227
baseline
▲ 0.50% · 4.625%
HK$78,140
+HK$3,913/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$148,454/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,962
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,325
−HK$2,400/mo
Today · 4.125%
HK$80,725
baseline
▲ 0.50% · 4.625%
HK$85,637
+HK$4,912/mo
Deposit HK$11.10M · loan HK$16.66M · min. income ≈ HK$161,450/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,507
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,773
−HK$2,299/mo
Today · 4.125%
HK$89,072
baseline
▲ 0.50% · 4.625%
HK$93,768
+HK$4,696/mo
Deposit HK$11.10M · loan HK$16.66M · min. income ≈ HK$178,144/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,622
−HK$5,558/mo
▼ 0.25% · 3.875%
HK$91,379
−HK$2,801/mo
Today · 4.125%
HK$94,180
baseline
▲ 0.50% · 4.625%
HK$99,910
+HK$5,730/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$188,360/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,591
−HK$5,327/mo
▼ 0.25% · 3.875%
HK$101,235
−HK$2,683/mo
Today · 4.125%
HK$103,918
baseline
▲ 0.50% · 4.625%
HK$109,396
+HK$5,478/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$207,836/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,943
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$117,487
−HK$3,601/mo
Today · 4.125%
HK$121,088
baseline
▲ 0.50% · 4.625%
HK$128,456
+HK$7,368/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$242,176/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,760
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$130,160
−HK$3,449/mo
Today · 4.125%
HK$133,609
baseline
▲ 0.50% · 4.625%
HK$140,651
+HK$7,042/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$267,218/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,831 · Scale 2, in force from 26 Feb 2026)