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$63,095
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,057
−HK$1,994/mo
Today · 4.125%
HK$67,051
baseline
▲ 0.50% · 4.625%
HK$71,131
+HK$4,080/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,102/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,192
−HK$3,792/mo
▼ 0.25% · 3.875%
HK$72,075
−HK$1,909/mo
Today · 4.125%
HK$73,984
baseline
▲ 0.50% · 4.625%
HK$77,884
+HK$3,900/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,968/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,713
−HK$4,748/mo
▼ 0.25% · 3.875%
HK$78,069
−HK$2,392/mo
Today · 4.125%
HK$80,461
baseline
▲ 0.50% · 4.625%
HK$85,357
+HK$4,896/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$160,922/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,230
−HK$4,551/mo
▼ 0.25% · 3.875%
HK$86,489
−HK$2,292/mo
Today · 4.125%
HK$88,781
baseline
▲ 0.50% · 4.625%
HK$93,461
+HK$4,680/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$177,562/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,332
−HK$5,540/mo
▼ 0.25% · 3.875%
HK$91,080
−HK$2,792/mo
Today · 4.125%
HK$93,872
baseline
▲ 0.50% · 4.625%
HK$99,583
+HK$5,711/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$187,744/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,175,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,269
−HK$5,309/mo
▼ 0.25% · 3.875%
HK$100,904
−HK$2,674/mo
Today · 4.125%
HK$103,578
baseline
▲ 0.50% · 4.625%
HK$109,038
+HK$5,460/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$207,156/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,175,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,570
−HK$7,122/mo
▼ 0.25% · 3.875%
HK$117,103
−HK$3,589/mo
Today · 4.125%
HK$120,692
baseline
▲ 0.50% · 4.625%
HK$128,036
+HK$7,344/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$241,384/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,346
−HK$6,826/mo
▼ 0.25% · 3.875%
HK$129,734
−HK$3,438/mo
Today · 4.125%
HK$133,172
baseline
▲ 0.50% · 4.625%
HK$140,191
+HK$7,019/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$266,344/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,972 · Scale 2, in force from 26 Feb 2026)