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$63,281
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,249
−HK$2,000/mo
Today · 4.125%
HK$67,249
baseline
▲ 0.50% · 4.625%
HK$71,341
+HK$4,092/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$134,498/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,399
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,287
−HK$1,916/mo
Today · 4.125%
HK$74,203
baseline
▲ 0.50% · 4.625%
HK$78,114
+HK$3,911/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$148,406/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,937
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,299
−HK$2,400/mo
Today · 4.125%
HK$80,699
baseline
▲ 0.50% · 4.625%
HK$85,609
+HK$4,910/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,398/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,479
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,745
−HK$2,298/mo
Today · 4.125%
HK$89,043
baseline
▲ 0.50% · 4.625%
HK$93,737
+HK$4,694/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,086/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,593
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$91,349
−HK$2,800/mo
Today · 4.125%
HK$94,149
baseline
▲ 0.50% · 4.625%
HK$99,878
+HK$5,729/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$188,298/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,559
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$101,202
−HK$2,682/mo
Today · 4.125%
HK$103,884
baseline
▲ 0.50% · 4.625%
HK$109,360
+HK$5,476/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$207,768/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,906
−HK$7,143/mo
▼ 0.25% · 3.875%
HK$117,449
−HK$3,600/mo
Today · 4.125%
HK$121,049
baseline
▲ 0.50% · 4.625%
HK$128,414
+HK$7,365/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$242,098/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,719
−HK$6,846/mo
▼ 0.25% · 3.875%
HK$130,117
−HK$3,448/mo
Today · 4.125%
HK$133,565
baseline
▲ 0.50% · 4.625%
HK$140,606
+HK$7,041/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$267,130/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,446 · Scale 2, in force from 26 Feb 2026)