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$63,314
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,284
−HK$2,001/mo
Today · 4.125%
HK$67,285
baseline
▲ 0.50% · 4.625%
HK$71,379
+HK$4,094/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$134,570/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,180,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,437
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,326
−HK$1,916/mo
Today · 4.125%
HK$74,242
baseline
▲ 0.50% · 4.625%
HK$78,156
+HK$3,914/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$148,484/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,180,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,977
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,341
−HK$2,401/mo
Today · 4.125%
HK$80,742
baseline
▲ 0.50% · 4.625%
HK$85,655
+HK$4,913/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$161,484/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,524
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,791
−HK$2,300/mo
Today · 4.125%
HK$89,091
baseline
▲ 0.50% · 4.625%
HK$93,787
+HK$4,696/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$178,182/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,640
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,398
−HK$2,801/mo
Today · 4.125%
HK$94,199
baseline
▲ 0.50% · 4.625%
HK$99,931
+HK$5,732/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$188,398/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,611
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,256
−HK$2,683/mo
Today · 4.125%
HK$103,939
baseline
▲ 0.50% · 4.625%
HK$109,418
+HK$5,479/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$207,878/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,966
−HK$7,147/mo
▼ 0.25% · 3.875%
HK$117,511
−HK$3,602/mo
Today · 4.125%
HK$121,113
baseline
▲ 0.50% · 4.625%
HK$128,482
+HK$7,369/mo
Deposit HK$2.78M · loan HK$24.99M · min. income ≈ HK$242,226/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,786
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$130,186
−HK$3,450/mo
Today · 4.125%
HK$133,636
baseline
▲ 0.50% · 4.625%
HK$140,680
+HK$7,044/mo
Deposit HK$2.78M · loan HK$24.99M · min. income ≈ HK$267,272/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,072 · Scale 2, in force from 26 Feb 2026)