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$63,254
−HK$3,967/mo
▼ 0.25% · 3.875%
HK$65,222
−HK$1,999/mo
Today · 4.125%
HK$67,221
baseline
▲ 0.50% · 4.625%
HK$71,311
+HK$4,090/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,442/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,370
−HK$3,802/mo
▼ 0.25% · 3.875%
HK$72,257
−HK$1,915/mo
Today · 4.125%
HK$74,172
baseline
▲ 0.50% · 4.625%
HK$78,081
+HK$3,909/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,344/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,905
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,266
−HK$2,399/mo
Today · 4.125%
HK$80,665
baseline
▲ 0.50% · 4.625%
HK$85,573
+HK$4,908/mo
Deposit HK$11.10M · loan HK$16.64M · min. income ≈ HK$161,330/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,444
−HK$4,562/mo
▼ 0.25% · 3.875%
HK$86,709
−HK$2,297/mo
Today · 4.125%
HK$89,006
baseline
▲ 0.50% · 4.625%
HK$93,698
+HK$4,692/mo
Deposit HK$11.10M · loan HK$16.64M · min. income ≈ HK$178,012/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,556
−HK$5,553/mo
▼ 0.25% · 3.875%
HK$91,311
−HK$2,798/mo
Today · 4.125%
HK$94,109
baseline
▲ 0.50% · 4.625%
HK$99,836
+HK$5,727/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,218/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,518
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,160
−HK$2,680/mo
Today · 4.125%
HK$103,840
baseline
▲ 0.50% · 4.625%
HK$109,314
+HK$5,474/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,680/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,858
−HK$7,140/mo
▼ 0.25% · 3.875%
HK$117,399
−HK$3,599/mo
Today · 4.125%
HK$120,998
baseline
▲ 0.50% · 4.625%
HK$128,360
+HK$7,362/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$241,996/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,666
−HK$6,843/mo
▼ 0.25% · 3.875%
HK$130,063
−HK$3,446/mo
Today · 4.125%
HK$133,509
baseline
▲ 0.50% · 4.625%
HK$140,547
+HK$7,038/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$267,018/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,951 · Scale 2, in force from 26 Feb 2026)