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$63,144
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,108
−HK$1,995/mo
Today · 4.125%
HK$67,103
baseline
▲ 0.50% · 4.625%
HK$71,186
+HK$4,083/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,206/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,247
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,131
−HK$1,911/mo
Today · 4.125%
HK$74,042
baseline
▲ 0.50% · 4.625%
HK$77,945
+HK$3,903/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,084/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,772
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,129
−HK$2,395/mo
Today · 4.125%
HK$80,524
baseline
▲ 0.50% · 4.625%
HK$85,424
+HK$4,900/mo
Deposit HK$11.08M · loan HK$16.61M · min. income ≈ HK$161,048/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,296
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,557
−HK$2,293/mo
Today · 4.125%
HK$88,850
baseline
▲ 0.50% · 4.625%
HK$93,534
+HK$4,684/mo
Deposit HK$11.08M · loan HK$16.61M · min. income ≈ HK$177,700/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,401
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,151
−HK$2,794/mo
Today · 4.125%
HK$93,945
baseline
▲ 0.50% · 4.625%
HK$99,661
+HK$5,716/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$187,890/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,345
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$100,983
−HK$2,676/mo
Today · 4.125%
HK$103,659
baseline
▲ 0.50% · 4.625%
HK$109,123
+HK$5,464/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$207,318/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,659
−HK$7,127/mo
▼ 0.25% · 3.875%
HK$117,194
−HK$3,592/mo
Today · 4.125%
HK$120,786
baseline
▲ 0.50% · 4.625%
HK$128,136
+HK$7,350/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$241,572/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,444
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$129,835
−HK$3,441/mo
Today · 4.125%
HK$133,276
baseline
▲ 0.50% · 4.625%
HK$140,301
+HK$7,025/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$266,552/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,889 · Scale 2, in force from 26 Feb 2026)