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$63,168
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,133
−HK$1,996/mo
Today · 4.125%
HK$67,129
baseline
▲ 0.50% · 4.625%
HK$71,214
+HK$4,085/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,258/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,274
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,159
−HK$1,912/mo
Today · 4.125%
HK$74,071
baseline
▲ 0.50% · 4.625%
HK$77,975
+HK$3,904/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,142/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,802
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,160
−HK$2,395/mo
Today · 4.125%
HK$80,555
baseline
▲ 0.50% · 4.625%
HK$85,457
+HK$4,902/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,110/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,329
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,590
−HK$2,295/mo
Today · 4.125%
HK$88,885
baseline
▲ 0.50% · 4.625%
HK$93,570
+HK$4,685/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,770/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,435
−HK$5,546/mo
▼ 0.25% · 3.875%
HK$91,186
−HK$2,795/mo
Today · 4.125%
HK$93,981
baseline
▲ 0.50% · 4.625%
HK$99,700
+HK$5,719/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,962/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,384
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,022
−HK$2,677/mo
Today · 4.125%
HK$103,699
baseline
▲ 0.50% · 4.625%
HK$109,165
+HK$5,466/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,398/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,703
−HK$7,130/mo
▼ 0.25% · 3.875%
HK$117,239
−HK$3,594/mo
Today · 4.125%
HK$120,833
baseline
▲ 0.50% · 4.625%
HK$128,185
+HK$7,352/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$241,666/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,345 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,493
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$129,886
−HK$3,441/mo
Today · 4.125%
HK$133,327
baseline
▲ 0.50% · 4.625%
HK$140,355
+HK$7,028/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$266,654/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,345 · Scale 2, in force from 26 Feb 2026)