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$63,271
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,239
−HK$1,999/mo
Today · 4.125%
HK$67,238
baseline
▲ 0.50% · 4.625%
HK$71,330
+HK$4,092/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,476/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,388
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,276
−HK$1,915/mo
Today · 4.125%
HK$74,191
baseline
▲ 0.50% · 4.625%
HK$78,102
+HK$3,911/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,382/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,925
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,287
−HK$2,399/mo
Today · 4.125%
HK$80,686
baseline
▲ 0.50% · 4.625%
HK$85,596
+HK$4,910/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,372/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,466
−HK$4,563/mo
▼ 0.25% · 3.875%
HK$86,731
−HK$2,298/mo
Today · 4.125%
HK$89,029
baseline
▲ 0.50% · 4.625%
HK$93,722
+HK$4,693/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,058/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,579
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$91,335
−HK$2,799/mo
Today · 4.125%
HK$94,134
baseline
▲ 0.50% · 4.625%
HK$99,862
+HK$5,728/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,268/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,543
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$101,186
−HK$2,681/mo
Today · 4.125%
HK$103,867
baseline
▲ 0.50% · 4.625%
HK$109,342
+HK$5,475/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,734/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,888
−HK$7,141/mo
▼ 0.25% · 3.875%
HK$117,430
−HK$3,599/mo
Today · 4.125%
HK$121,029
baseline
▲ 0.50% · 4.625%
HK$128,394
+HK$7,365/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$242,058/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,699
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$130,097
−HK$3,447/mo
Today · 4.125%
HK$133,544
baseline
▲ 0.50% · 4.625%
HK$140,583
+HK$7,039/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$267,088/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,259 · Scale 2, in force from 26 Feb 2026)