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$63,078
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,040
−HK$1,993/mo
Today · 4.125%
HK$67,033
baseline
▲ 0.50% · 4.625%
HK$71,112
+HK$4,079/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,066/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,173
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,055
−HK$1,909/mo
Today · 4.125%
HK$73,964
baseline
▲ 0.50% · 4.625%
HK$77,863
+HK$3,899/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,928/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,693
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,048
−HK$2,392/mo
Today · 4.125%
HK$80,440
baseline
▲ 0.50% · 4.625%
HK$85,334
+HK$4,894/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$160,880/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,208
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,466
−HK$2,291/mo
Today · 4.125%
HK$88,757
baseline
▲ 0.50% · 4.625%
HK$93,436
+HK$4,679/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$177,514/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,309
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,056
−HK$2,790/mo
Today · 4.125%
HK$93,846
baseline
▲ 0.50% · 4.625%
HK$99,557
+HK$5,711/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,692/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,243
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$100,877
−HK$2,673/mo
Today · 4.125%
HK$103,550
baseline
▲ 0.50% · 4.625%
HK$109,009
+HK$5,459/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,100/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,540
−HK$7,120/mo
▼ 0.25% · 3.875%
HK$117,071
−HK$3,589/mo
Today · 4.125%
HK$120,660
baseline
▲ 0.50% · 4.625%
HK$128,002
+HK$7,342/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$241,320/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,312
−HK$6,824/mo
▼ 0.25% · 3.875%
HK$129,699
−HK$3,437/mo
Today · 4.125%
HK$133,136
baseline
▲ 0.50% · 4.625%
HK$140,154
+HK$7,018/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$266,272/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,658 · Scale 2, in force from 26 Feb 2026)