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$63,069
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,031
−HK$1,993/mo
Today · 4.125%
HK$67,024
baseline
▲ 0.50% · 4.625%
HK$71,102
+HK$4,078/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,048/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,164
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,045
−HK$1,909/mo
Today · 4.125%
HK$73,954
baseline
▲ 0.50% · 4.625%
HK$77,853
+HK$3,899/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,908/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,683
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,037
−HK$2,392/mo
Today · 4.125%
HK$80,429
baseline
▲ 0.50% · 4.625%
HK$85,323
+HK$4,894/mo
Deposit HK$11.06M · loan HK$16.60M · min. income ≈ HK$160,858/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,196
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,455
−HK$2,290/mo
Today · 4.125%
HK$88,745
baseline
▲ 0.50% · 4.625%
HK$93,423
+HK$4,678/mo
Deposit HK$11.06M · loan HK$16.60M · min. income ≈ HK$177,490/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,297
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,043
−HK$2,791/mo
Today · 4.125%
HK$93,834
baseline
▲ 0.50% · 4.625%
HK$99,543
+HK$5,709/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,668/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,229
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$100,864
−HK$2,672/mo
Today · 4.125%
HK$103,536
baseline
▲ 0.50% · 4.625%
HK$108,994
+HK$5,458/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,072/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,524
−HK$7,119/mo
▼ 0.25% · 3.875%
HK$117,056
−HK$3,587/mo
Today · 4.125%
HK$120,643
baseline
▲ 0.50% · 4.625%
HK$127,984
+HK$7,341/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,286/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,295
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$129,682
−HK$3,436/mo
Today · 4.125%
HK$133,118
baseline
▲ 0.50% · 4.625%
HK$140,135
+HK$7,017/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,236/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,498 · Scale 2, in force from 26 Feb 2026)