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$63,319
−HK$3,970/mo
▼ 0.25% · 3.875%
HK$65,288
−HK$2,001/mo
Today · 4.125%
HK$67,289
baseline
▲ 0.50% · 4.625%
HK$71,384
+HK$4,095/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$134,578/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,180,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,441
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,330
−HK$1,917/mo
Today · 4.125%
HK$74,247
baseline
▲ 0.50% · 4.625%
HK$78,161
+HK$3,914/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$148,494/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,180,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,982
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,346
−HK$2,401/mo
Today · 4.125%
HK$80,747
baseline
▲ 0.50% · 4.625%
HK$85,660
+HK$4,913/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$161,494/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,529
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,796
−HK$2,300/mo
Today · 4.125%
HK$89,096
baseline
▲ 0.50% · 4.625%
HK$93,793
+HK$4,697/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$178,192/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,646
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,403
−HK$2,802/mo
Today · 4.125%
HK$94,205
baseline
▲ 0.50% · 4.625%
HK$99,937
+HK$5,732/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$188,410/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,618
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,263
−HK$2,683/mo
Today · 4.125%
HK$103,946
baseline
▲ 0.50% · 4.625%
HK$109,425
+HK$5,479/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$207,892/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,973
−HK$7,147/mo
▼ 0.25% · 3.875%
HK$117,519
−HK$3,601/mo
Today · 4.125%
HK$121,120
baseline
▲ 0.50% · 4.625%
HK$128,490
+HK$7,370/mo
Deposit HK$2.78M · loan HK$24.99M · min. income ≈ HK$242,240/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,794
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$130,195
−HK$3,449/mo
Today · 4.125%
HK$133,644
baseline
▲ 0.50% · 4.625%
HK$140,689
+HK$7,045/mo
Deposit HK$2.78M · loan HK$24.99M · min. income ≈ HK$267,288/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,147 · Scale 2, in force from 26 Feb 2026)