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$63,184
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,149
−HK$1,997/mo
Today · 4.125%
HK$67,146
baseline
▲ 0.50% · 4.625%
HK$71,231
+HK$4,085/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,292/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,291
−HK$3,798/mo
▼ 0.25% · 3.875%
HK$72,176
−HK$1,913/mo
Today · 4.125%
HK$74,089
baseline
▲ 0.50% · 4.625%
HK$77,994
+HK$3,905/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,178/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,820
−HK$4,755/mo
▼ 0.25% · 3.875%
HK$78,179
−HK$2,396/mo
Today · 4.125%
HK$80,575
baseline
▲ 0.50% · 4.625%
HK$85,478
+HK$4,903/mo
Deposit HK$11.08M · loan HK$16.63M · min. income ≈ HK$161,150/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,349
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,612
−HK$2,295/mo
Today · 4.125%
HK$88,907
baseline
▲ 0.50% · 4.625%
HK$93,593
+HK$4,686/mo
Deposit HK$11.08M · loan HK$16.63M · min. income ≈ HK$177,814/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,457
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,209
−HK$2,795/mo
Today · 4.125%
HK$94,004
baseline
▲ 0.50% · 4.625%
HK$99,724
+HK$5,720/mo
Deposit HK$8.31M · loan HK$19.40M · min. income ≈ HK$188,008/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,408
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,047
−HK$2,677/mo
Today · 4.125%
HK$103,724
baseline
▲ 0.50% · 4.625%
HK$109,192
+HK$5,468/mo
Deposit HK$8.31M · loan HK$19.40M · min. income ≈ HK$207,448/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,731
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$117,268
−HK$3,594/mo
Today · 4.125%
HK$120,862
baseline
▲ 0.50% · 4.625%
HK$128,217
+HK$7,355/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$241,724/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,524
−HK$6,836/mo
▼ 0.25% · 3.875%
HK$129,917
−HK$3,443/mo
Today · 4.125%
HK$133,360
baseline
▲ 0.50% · 4.625%
HK$140,389
+HK$7,029/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$266,720/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,633 · Scale 2, in force from 26 Feb 2026)