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$63,092
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,054
−HK$1,994/mo
Today · 4.125%
HK$67,048
baseline
▲ 0.50% · 4.625%
HK$71,128
+HK$4,080/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,096/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,189
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,071
−HK$1,910/mo
Today · 4.125%
HK$73,981
baseline
▲ 0.50% · 4.625%
HK$77,881
+HK$3,900/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,962/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,710
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$78,065
−HK$2,393/mo
Today · 4.125%
HK$80,458
baseline
▲ 0.50% · 4.625%
HK$85,354
+HK$4,896/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$160,916/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,227
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,486
−HK$2,291/mo
Today · 4.125%
HK$88,777
baseline
▲ 0.50% · 4.625%
HK$93,457
+HK$4,680/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$177,554/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,329
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,076
−HK$2,792/mo
Today · 4.125%
HK$93,868
baseline
▲ 0.50% · 4.625%
HK$99,579
+HK$5,711/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$187,736/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,175,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,265
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,900
−HK$2,674/mo
Today · 4.125%
HK$103,574
baseline
▲ 0.50% · 4.625%
HK$109,033
+HK$5,459/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$207,148/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,175,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,565
−HK$7,122/mo
▼ 0.25% · 3.875%
HK$117,098
−HK$3,589/mo
Today · 4.125%
HK$120,687
baseline
▲ 0.50% · 4.625%
HK$128,030
+HK$7,343/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$241,374/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,340
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$129,729
−HK$3,437/mo
Today · 4.125%
HK$133,166
baseline
▲ 0.50% · 4.625%
HK$140,185
+HK$7,019/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$266,332/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,922 · Scale 2, in force from 26 Feb 2026)