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$63,288
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,257
−HK$2,000/mo
Today · 4.125%
HK$67,257
baseline
▲ 0.50% · 4.625%
HK$71,349
+HK$4,092/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$134,514/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,407
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,296
−HK$1,915/mo
Today · 4.125%
HK$74,211
baseline
▲ 0.50% · 4.625%
HK$78,123
+HK$3,912/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$148,422/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,946
−HK$4,762/mo
▼ 0.25% · 3.875%
HK$78,308
−HK$2,400/mo
Today · 4.125%
HK$80,708
baseline
▲ 0.50% · 4.625%
HK$85,619
+HK$4,911/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,416/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,489
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,755
−HK$2,298/mo
Today · 4.125%
HK$89,053
baseline
▲ 0.50% · 4.625%
HK$93,748
+HK$4,695/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,106/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,603
−HK$5,556/mo
▼ 0.25% · 3.875%
HK$91,359
−HK$2,800/mo
Today · 4.125%
HK$94,159
baseline
▲ 0.50% · 4.625%
HK$99,889
+HK$5,730/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$188,318/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,570
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$101,214
−HK$2,682/mo
Today · 4.125%
HK$103,896
baseline
▲ 0.50% · 4.625%
HK$109,372
+HK$5,476/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$207,792/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,918
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$117,462
−HK$3,600/mo
Today · 4.125%
HK$121,062
baseline
▲ 0.50% · 4.625%
HK$128,429
+HK$7,367/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$242,124/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,733
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$130,132
−HK$3,448/mo
Today · 4.125%
HK$133,580
baseline
▲ 0.50% · 4.625%
HK$140,621
+HK$7,041/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$267,160/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,579 · Scale 2, in force from 26 Feb 2026)