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$63,167
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,132
−HK$1,996/mo
Today · 4.125%
HK$67,128
baseline
▲ 0.50% · 4.625%
HK$71,213
+HK$4,085/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,256/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,273
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,157
−HK$1,912/mo
Today · 4.125%
HK$74,069
baseline
▲ 0.50% · 4.625%
HK$77,973
+HK$3,904/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,138/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,800
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,158
−HK$2,396/mo
Today · 4.125%
HK$80,554
baseline
▲ 0.50% · 4.625%
HK$85,455
+HK$4,901/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,108/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,327
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,589
−HK$2,294/mo
Today · 4.125%
HK$88,883
baseline
▲ 0.50% · 4.625%
HK$93,568
+HK$4,685/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,766/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,434
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,184
−HK$2,795/mo
Today · 4.125%
HK$93,979
baseline
▲ 0.50% · 4.625%
HK$99,698
+HK$5,719/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,958/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,382
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,020
−HK$2,677/mo
Today · 4.125%
HK$103,697
baseline
▲ 0.50% · 4.625%
HK$109,163
+HK$5,466/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,394/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,700
−HK$7,130/mo
▼ 0.25% · 3.875%
HK$117,237
−HK$3,593/mo
Today · 4.125%
HK$120,830
baseline
▲ 0.50% · 4.625%
HK$128,183
+HK$7,353/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$241,660/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,491
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$129,883
−HK$3,441/mo
Today · 4.125%
HK$133,324
baseline
▲ 0.50% · 4.625%
HK$140,352
+HK$7,028/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$266,648/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,321 · Scale 2, in force from 26 Feb 2026)