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$63,015
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,975
−HK$1,992/mo
Today · 4.125%
HK$66,967
baseline
▲ 0.50% · 4.625%
HK$71,042
+HK$4,075/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$133,934/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,104
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,984
−HK$1,907/mo
Today · 4.125%
HK$73,891
baseline
▲ 0.50% · 4.625%
HK$77,786
+HK$3,895/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$147,782/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,618
−HK$4,742/mo
▼ 0.25% · 3.875%
HK$77,970
−HK$2,390/mo
Today · 4.125%
HK$80,360
baseline
▲ 0.50% · 4.625%
HK$85,250
+HK$4,890/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$160,720/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,125
−HK$4,545/mo
▼ 0.25% · 3.875%
HK$86,381
−HK$2,289/mo
Today · 4.125%
HK$88,670
baseline
▲ 0.50% · 4.625%
HK$93,344
+HK$4,674/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$177,340/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,221
−HK$5,533/mo
▼ 0.25% · 3.875%
HK$90,966
−HK$2,788/mo
Today · 4.125%
HK$93,754
baseline
▲ 0.50% · 4.625%
HK$99,458
+HK$5,704/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$187,508/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,145
−HK$5,303/mo
▼ 0.25% · 3.875%
HK$100,778
−HK$2,670/mo
Today · 4.125%
HK$103,448
baseline
▲ 0.50% · 4.625%
HK$108,901
+HK$5,453/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$206,896/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,427
−HK$7,113/mo
▼ 0.25% · 3.875%
HK$116,956
−HK$3,584/mo
Today · 4.125%
HK$120,540
baseline
▲ 0.50% · 4.625%
HK$127,875
+HK$7,335/mo
Deposit HK$2.76M · loan HK$24.87M · min. income ≈ HK$241,080/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,187
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$129,571
−HK$3,433/mo
Today · 4.125%
HK$133,004
baseline
▲ 0.50% · 4.625%
HK$140,015
+HK$7,011/mo
Deposit HK$2.76M · loan HK$24.87M · min. income ≈ HK$266,008/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,495 · Scale 2, in force from 26 Feb 2026)