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$63,155
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,120
−HK$1,996/mo
Today · 4.125%
HK$67,116
baseline
▲ 0.50% · 4.625%
HK$71,200
+HK$4,084/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,232/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,260
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,144
−HK$1,912/mo
Today · 4.125%
HK$74,056
baseline
▲ 0.50% · 4.625%
HK$77,959
+HK$3,903/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,112/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,786
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,144
−HK$2,395/mo
Today · 4.125%
HK$80,539
baseline
▲ 0.50% · 4.625%
HK$85,439
+HK$4,900/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,078/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,312
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,573
−HK$2,294/mo
Today · 4.125%
HK$88,867
baseline
▲ 0.50% · 4.625%
HK$93,551
+HK$4,684/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,734/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,417
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,168
−HK$2,794/mo
Today · 4.125%
HK$93,962
baseline
▲ 0.50% · 4.625%
HK$99,679
+HK$5,717/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,924/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,364
−HK$5,314/mo
▼ 0.25% · 3.875%
HK$101,002
−HK$2,676/mo
Today · 4.125%
HK$103,678
baseline
▲ 0.50% · 4.625%
HK$109,143
+HK$5,465/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,356/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,680
−HK$7,128/mo
▼ 0.25% · 3.875%
HK$117,216
−HK$3,592/mo
Today · 4.125%
HK$120,808
baseline
▲ 0.50% · 4.625%
HK$128,159
+HK$7,351/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$241,616/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,467
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$129,859
−HK$3,441/mo
Today · 4.125%
HK$133,300
baseline
▲ 0.50% · 4.625%
HK$140,327
+HK$7,027/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$266,600/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,106 · Scale 2, in force from 26 Feb 2026)