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$63,273
−HK$3,968/mo
▼ 0.25% · 3.875%
HK$65,241
−HK$2,000/mo
Today · 4.125%
HK$67,241
baseline
▲ 0.50% · 4.625%
HK$71,333
+HK$4,092/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,482/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,391
−HK$3,803/mo
▼ 0.25% · 3.875%
HK$72,279
−HK$1,915/mo
Today · 4.125%
HK$74,194
baseline
▲ 0.50% · 4.625%
HK$78,105
+HK$3,911/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,388/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,179,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,928
−HK$4,761/mo
▼ 0.25% · 3.875%
HK$78,290
−HK$2,399/mo
Today · 4.125%
HK$80,689
baseline
▲ 0.50% · 4.625%
HK$85,599
+HK$4,910/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,378/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,469
−HK$4,564/mo
▼ 0.25% · 3.875%
HK$86,735
−HK$2,298/mo
Today · 4.125%
HK$89,033
baseline
▲ 0.50% · 4.625%
HK$93,726
+HK$4,693/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,066/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,583
−HK$5,555/mo
▼ 0.25% · 3.875%
HK$91,338
−HK$2,800/mo
Today · 4.125%
HK$94,138
baseline
▲ 0.50% · 4.625%
HK$99,866
+HK$5,728/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,276/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,547
−HK$5,324/mo
▼ 0.25% · 3.875%
HK$101,190
−HK$2,681/mo
Today · 4.125%
HK$103,871
baseline
▲ 0.50% · 4.625%
HK$109,347
+HK$5,476/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,742/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,179,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,892
−HK$7,142/mo
▼ 0.25% · 3.875%
HK$117,435
−HK$3,599/mo
Today · 4.125%
HK$121,034
baseline
▲ 0.50% · 4.625%
HK$128,399
+HK$7,365/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$242,068/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,704
−HK$6,845/mo
▼ 0.25% · 3.875%
HK$130,102
−HK$3,447/mo
Today · 4.125%
HK$133,549
baseline
▲ 0.50% · 4.625%
HK$140,589
+HK$7,040/mo
Deposit HK$2.77M · loan HK$24.97M · min. income ≈ HK$267,098/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,179,305 · Scale 2, in force from 26 Feb 2026)