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$63,047
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$65,008
−HK$1,992/mo
Today · 4.125%
HK$67,000
baseline
▲ 0.50% · 4.625%
HK$71,077
+HK$4,077/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$134,000/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,139
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,020
−HK$1,908/mo
Today · 4.125%
HK$73,928
baseline
▲ 0.50% · 4.625%
HK$77,825
+HK$3,897/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$147,856/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,656
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,009
−HK$2,391/mo
Today · 4.125%
HK$80,400
baseline
▲ 0.50% · 4.625%
HK$85,293
+HK$4,893/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,800/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,175,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,167
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,424
−HK$2,290/mo
Today · 4.125%
HK$88,714
baseline
▲ 0.50% · 4.625%
HK$93,390
+HK$4,676/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,428/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,175,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,265
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,011
−HK$2,789/mo
Today · 4.125%
HK$93,800
baseline
▲ 0.50% · 4.625%
HK$99,508
+HK$5,708/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$187,600/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,194
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,828
−HK$2,672/mo
Today · 4.125%
HK$103,500
baseline
▲ 0.50% · 4.625%
HK$108,955
+HK$5,455/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$207,000/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,484
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$117,014
−HK$3,587/mo
Today · 4.125%
HK$120,601
baseline
▲ 0.50% · 4.625%
HK$127,939
+HK$7,338/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$241,202/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,250
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$129,636
−HK$3,435/mo
Today · 4.125%
HK$133,071
baseline
▲ 0.50% · 4.625%
HK$140,085
+HK$7,014/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$266,142/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,082 · Scale 2, in force from 26 Feb 2026)