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$63,163
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,127
−HK$1,997/mo
Today · 4.125%
HK$67,124
baseline
▲ 0.50% · 4.625%
HK$71,208
+HK$4,084/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,248/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,268
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,152
−HK$1,912/mo
Today · 4.125%
HK$74,064
baseline
▲ 0.50% · 4.625%
HK$77,968
+HK$3,904/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,128/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,795
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,153
−HK$2,395/mo
Today · 4.125%
HK$80,548
baseline
▲ 0.50% · 4.625%
HK$85,449
+HK$4,901/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,096/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,321
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,583
−HK$2,294/mo
Today · 4.125%
HK$88,877
baseline
▲ 0.50% · 4.625%
HK$93,562
+HK$4,685/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,754/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,428
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,178
−HK$2,795/mo
Today · 4.125%
HK$93,973
baseline
▲ 0.50% · 4.625%
HK$99,691
+HK$5,718/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,946/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,375
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,013
−HK$2,677/mo
Today · 4.125%
HK$103,690
baseline
▲ 0.50% · 4.625%
HK$109,156
+HK$5,466/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,380/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,693
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$117,229
−HK$3,593/mo
Today · 4.125%
HK$120,822
baseline
▲ 0.50% · 4.625%
HK$128,174
+HK$7,352/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$241,644/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,482
−HK$6,834/mo
▼ 0.25% · 3.875%
HK$129,874
−HK$3,442/mo
Today · 4.125%
HK$133,316
baseline
▲ 0.50% · 4.625%
HK$140,343
+HK$7,027/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$266,632/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,243 · Scale 2, in force from 26 Feb 2026)