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$63,210
−HK$3,964/mo
▼ 0.25% · 3.875%
HK$65,177
−HK$1,997/mo
Today · 4.125%
HK$67,174
baseline
▲ 0.50% · 4.625%
HK$71,262
+HK$4,088/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$134,348/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,321
−HK$3,799/mo
▼ 0.25% · 3.875%
HK$72,207
−HK$1,913/mo
Today · 4.125%
HK$74,120
baseline
▲ 0.50% · 4.625%
HK$78,027
+HK$3,907/mo
Deposit HK$13.86M · loan HK$13.86M · min. income ≈ HK$148,240/mo (50% DSR)
Upfront cash ≈ HK$15.04M (deposit + AVD stamp duty HK$1,178,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,853
−HK$4,756/mo
▼ 0.25% · 3.875%
HK$78,212
−HK$2,397/mo
Today · 4.125%
HK$80,609
baseline
▲ 0.50% · 4.625%
HK$85,514
+HK$4,905/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$161,218/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,385
−HK$4,559/mo
▼ 0.25% · 3.875%
HK$86,648
−HK$2,296/mo
Today · 4.125%
HK$88,944
baseline
▲ 0.50% · 4.625%
HK$93,633
+HK$4,689/mo
Deposit HK$11.09M · loan HK$16.63M · min. income ≈ HK$177,888/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,495
−HK$5,549/mo
▼ 0.25% · 3.875%
HK$91,247
−HK$2,797/mo
Today · 4.125%
HK$94,044
baseline
▲ 0.50% · 4.625%
HK$99,766
+HK$5,722/mo
Deposit HK$8.32M · loan HK$19.40M · min. income ≈ HK$188,088/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,178,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,449
−HK$5,319/mo
▼ 0.25% · 3.875%
HK$101,090
−HK$2,678/mo
Today · 4.125%
HK$103,768
baseline
▲ 0.50% · 4.625%
HK$109,238
+HK$5,470/mo
Deposit HK$8.32M · loan HK$19.40M · min. income ≈ HK$207,536/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,178,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,779
−HK$7,135/mo
▼ 0.25% · 3.875%
HK$117,318
−HK$3,596/mo
Today · 4.125%
HK$120,914
baseline
▲ 0.50% · 4.625%
HK$128,271
+HK$7,357/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$241,828/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,578
−HK$6,838/mo
▼ 0.25% · 3.875%
HK$129,972
−HK$3,444/mo
Today · 4.125%
HK$133,416
baseline
▲ 0.50% · 4.625%
HK$140,449
+HK$7,033/mo
Deposit HK$2.77M · loan HK$24.95M · min. income ≈ HK$266,832/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,133 · Scale 2, in force from 26 Feb 2026)