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$63,062
−HK$3,955/mo
▼ 0.25% · 3.875%
HK$65,024
−HK$1,993/mo
Today · 4.125%
HK$67,017
baseline
▲ 0.50% · 4.625%
HK$71,094
+HK$4,077/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,034/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,156
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,037
−HK$1,909/mo
Today · 4.125%
HK$73,946
baseline
▲ 0.50% · 4.625%
HK$77,844
+HK$3,898/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,892/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,674
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,028
−HK$2,392/mo
Today · 4.125%
HK$80,420
baseline
▲ 0.50% · 4.625%
HK$85,313
+HK$4,893/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,840/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,187
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,445
−HK$2,290/mo
Today · 4.125%
HK$88,735
baseline
▲ 0.50% · 4.625%
HK$93,413
+HK$4,678/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,470/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,287
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,033
−HK$2,790/mo
Today · 4.125%
HK$93,823
baseline
▲ 0.50% · 4.625%
HK$99,532
+HK$5,709/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,646/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,218
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$100,852
−HK$2,673/mo
Today · 4.125%
HK$103,525
baseline
▲ 0.50% · 4.625%
HK$108,982
+HK$5,457/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,050/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,512
−HK$7,118/mo
▼ 0.25% · 3.875%
HK$117,043
−HK$3,587/mo
Today · 4.125%
HK$120,630
baseline
▲ 0.50% · 4.625%
HK$127,970
+HK$7,340/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,260/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,367 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,281
−HK$6,822/mo
▼ 0.25% · 3.875%
HK$129,667
−HK$3,436/mo
Today · 4.125%
HK$133,103
baseline
▲ 0.50% · 4.625%
HK$140,119
+HK$7,016/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,206/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,367 · Scale 2, in force from 26 Feb 2026)