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$63,214
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,180
−HK$1,998/mo
Today · 4.125%
HK$67,178
baseline
▲ 0.50% · 4.625%
HK$71,266
+HK$4,088/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,356/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,325
−HK$3,800/mo
▼ 0.25% · 3.875%
HK$72,211
−HK$1,914/mo
Today · 4.125%
HK$74,125
baseline
▲ 0.50% · 4.625%
HK$78,032
+HK$3,907/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,250/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,857
−HK$4,757/mo
▼ 0.25% · 3.875%
HK$78,217
−HK$2,397/mo
Today · 4.125%
HK$80,614
baseline
▲ 0.50% · 4.625%
HK$85,519
+HK$4,905/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$161,228/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,390
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,653
−HK$2,296/mo
Today · 4.125%
HK$88,949
baseline
▲ 0.50% · 4.625%
HK$93,638
+HK$4,689/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$177,898/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,500
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$91,253
−HK$2,796/mo
Today · 4.125%
HK$94,049
baseline
▲ 0.50% · 4.625%
HK$99,772
+HK$5,723/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$188,098/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,178,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,455
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,096
−HK$2,678/mo
Today · 4.125%
HK$103,774
baseline
▲ 0.50% · 4.625%
HK$109,244
+HK$5,470/mo
Deposit HK$8.32M · loan HK$19.41M · min. income ≈ HK$207,548/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,178,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,785
−HK$7,136/mo
▼ 0.25% · 3.875%
HK$117,325
−HK$3,596/mo
Today · 4.125%
HK$120,921
baseline
▲ 0.50% · 4.625%
HK$128,279
+HK$7,358/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$241,842/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,585
−HK$6,839/mo
▼ 0.25% · 3.875%
HK$129,980
−HK$3,444/mo
Today · 4.125%
HK$133,424
baseline
▲ 0.50% · 4.625%
HK$140,457
+HK$7,033/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$266,848/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,201 · Scale 2, in force from 26 Feb 2026)