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$63,035
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$64,996
−HK$1,992/mo
Today · 4.125%
HK$66,988
baseline
▲ 0.50% · 4.625%
HK$71,064
+HK$4,076/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$133,976/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,174,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,126
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,007
−HK$1,908/mo
Today · 4.125%
HK$73,915
baseline
▲ 0.50% · 4.625%
HK$77,811
+HK$3,896/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$147,830/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,174,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,642
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$77,995
−HK$2,391/mo
Today · 4.125%
HK$80,386
baseline
▲ 0.50% · 4.625%
HK$85,277
+HK$4,891/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,772/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,151
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,408
−HK$2,290/mo
Today · 4.125%
HK$88,698
baseline
▲ 0.50% · 4.625%
HK$93,373
+HK$4,675/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,396/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,249
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$90,994
−HK$2,789/mo
Today · 4.125%
HK$93,783
baseline
▲ 0.50% · 4.625%
HK$99,490
+HK$5,707/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$187,566/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,176
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,810
−HK$2,671/mo
Today · 4.125%
HK$103,481
baseline
▲ 0.50% · 4.625%
HK$108,935
+HK$5,454/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$206,962/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,463
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$116,993
−HK$3,586/mo
Today · 4.125%
HK$120,579
baseline
▲ 0.50% · 4.625%
HK$127,915
+HK$7,336/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$241,158/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,227
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$129,612
−HK$3,435/mo
Today · 4.125%
HK$133,047
baseline
▲ 0.50% · 4.625%
HK$140,060
+HK$7,013/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$266,094/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,867 · Scale 2, in force from 26 Feb 2026)