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$63,051
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$65,012
−HK$1,992/mo
Today · 4.125%
HK$67,004
baseline
▲ 0.50% · 4.625%
HK$71,082
+HK$4,078/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,008/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,143
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,024
−HK$1,909/mo
Today · 4.125%
HK$73,933
baseline
▲ 0.50% · 4.625%
HK$77,830
+HK$3,897/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,866/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,661
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,014
−HK$2,391/mo
Today · 4.125%
HK$80,405
baseline
▲ 0.50% · 4.625%
HK$85,298
+HK$4,893/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,810/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,172
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,429
−HK$2,290/mo
Today · 4.125%
HK$88,719
baseline
▲ 0.50% · 4.625%
HK$93,396
+HK$4,677/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,438/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,271
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,017
−HK$2,789/mo
Today · 4.125%
HK$93,806
baseline
▲ 0.50% · 4.625%
HK$99,514
+HK$5,708/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,612/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,200
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,834
−HK$2,672/mo
Today · 4.125%
HK$103,506
baseline
▲ 0.50% · 4.625%
HK$108,962
+HK$5,456/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,012/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,491
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$117,021
−HK$3,587/mo
Today · 4.125%
HK$120,608
baseline
▲ 0.50% · 4.625%
HK$127,947
+HK$7,339/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,216/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,258
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$129,644
−HK$3,435/mo
Today · 4.125%
HK$133,079
baseline
▲ 0.50% · 4.625%
HK$140,094
+HK$7,015/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,158/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,154 · Scale 2, in force from 26 Feb 2026)