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$63,205
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,172
−HK$1,997/mo
Today · 4.125%
HK$67,169
baseline
▲ 0.50% · 4.625%
HK$71,256
+HK$4,087/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,338/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,315
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,201
−HK$1,913/mo
Today · 4.125%
HK$74,114
baseline
▲ 0.50% · 4.625%
HK$78,021
+HK$3,907/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,228/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,847
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,206
−HK$2,397/mo
Today · 4.125%
HK$80,603
baseline
▲ 0.50% · 4.625%
HK$85,507
+HK$4,904/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$161,206/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,379
−HK$4,558/mo
▼ 0.25% · 3.875%
HK$86,642
−HK$2,295/mo
Today · 4.125%
HK$88,937
baseline
▲ 0.50% · 4.625%
HK$93,625
+HK$4,688/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$177,874/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,488
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$91,240
−HK$2,797/mo
Today · 4.125%
HK$94,037
baseline
▲ 0.50% · 4.625%
HK$99,758
+HK$5,721/mo
Deposit HK$8.32M · loan HK$19.40M · min. income ≈ HK$188,074/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,178,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,442
−HK$5,318/mo
▼ 0.25% · 3.875%
HK$101,082
−HK$2,678/mo
Today · 4.125%
HK$103,760
baseline
▲ 0.50% · 4.625%
HK$109,229
+HK$5,469/mo
Deposit HK$8.32M · loan HK$19.40M · min. income ≈ HK$207,520/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,178,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,770
−HK$7,134/mo
▼ 0.25% · 3.875%
HK$117,309
−HK$3,595/mo
Today · 4.125%
HK$120,904
baseline
▲ 0.50% · 4.625%
HK$128,261
+HK$7,357/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$241,808/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,568
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$129,962
−HK$3,444/mo
Today · 4.125%
HK$133,406
baseline
▲ 0.50% · 4.625%
HK$140,438
+HK$7,032/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$266,812/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,040 · Scale 2, in force from 26 Feb 2026)