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$63,289
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,258
−HK$2,000/mo
Today · 4.125%
HK$67,258
baseline
▲ 0.50% · 4.625%
HK$71,350
+HK$4,092/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$134,516/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,408
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,297
−HK$1,915/mo
Today · 4.125%
HK$74,212
baseline
▲ 0.50% · 4.625%
HK$78,124
+HK$3,912/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$148,424/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,947
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,309
−HK$2,400/mo
Today · 4.125%
HK$80,709
baseline
▲ 0.50% · 4.625%
HK$85,620
+HK$4,911/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,418/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,490
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,756
−HK$2,299/mo
Today · 4.125%
HK$89,055
baseline
▲ 0.50% · 4.625%
HK$93,749
+HK$4,694/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,110/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,605
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$91,361
−HK$2,800/mo
Today · 4.125%
HK$94,161
baseline
▲ 0.50% · 4.625%
HK$99,890
+HK$5,729/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$188,322/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,572
−HK$5,325/mo
▼ 0.25% · 3.875%
HK$101,215
−HK$2,682/mo
Today · 4.125%
HK$103,897
baseline
▲ 0.50% · 4.625%
HK$109,374
+HK$5,477/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$207,794/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,920
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$117,464
−HK$3,600/mo
Today · 4.125%
HK$121,064
baseline
▲ 0.50% · 4.625%
HK$128,430
+HK$7,366/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$242,128/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,735
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$130,134
−HK$3,448/mo
Today · 4.125%
HK$133,582
baseline
▲ 0.50% · 4.625%
HK$140,623
+HK$7,041/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$267,164/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,596 · Scale 2, in force from 26 Feb 2026)