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$63,298
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,267
−HK$2,000/mo
Today · 4.125%
HK$67,267
baseline
▲ 0.50% · 4.625%
HK$71,360
+HK$4,093/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$134,534/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,418
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,307
−HK$1,916/mo
Today · 4.125%
HK$74,223
baseline
▲ 0.50% · 4.625%
HK$78,135
+HK$3,912/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$148,446/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,957
−HK$4,764/mo
▼ 0.25% · 3.875%
HK$78,320
−HK$2,401/mo
Today · 4.125%
HK$80,721
baseline
▲ 0.50% · 4.625%
HK$85,632
+HK$4,911/mo
Deposit HK$11.10M · loan HK$16.66M · min. income ≈ HK$161,442/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,502
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,768
−HK$2,299/mo
Today · 4.125%
HK$89,067
baseline
▲ 0.50% · 4.625%
HK$93,762
+HK$4,695/mo
Deposit HK$11.10M · loan HK$16.66M · min. income ≈ HK$178,134/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,617
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$91,374
−HK$2,800/mo
Today · 4.125%
HK$94,174
baseline
▲ 0.50% · 4.625%
HK$99,904
+HK$5,730/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$188,348/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,586
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$101,230
−HK$2,682/mo
Today · 4.125%
HK$103,912
baseline
▲ 0.50% · 4.625%
HK$109,389
+HK$5,477/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$207,824/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,936
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$117,480
−HK$3,601/mo
Today · 4.125%
HK$121,081
baseline
▲ 0.50% · 4.625%
HK$128,449
+HK$7,368/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$242,162/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,753
−HK$6,848/mo
▼ 0.25% · 3.875%
HK$130,152
−HK$3,449/mo
Today · 4.125%
HK$133,601
baseline
▲ 0.50% · 4.625%
HK$140,643
+HK$7,042/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$267,202/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,763 · Scale 2, in force from 26 Feb 2026)