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$63,147
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,111
−HK$1,996/mo
Today · 4.125%
HK$67,107
baseline
▲ 0.50% · 4.625%
HK$71,190
+HK$4,083/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,214/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,251
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$72,135
−HK$1,911/mo
Today · 4.125%
HK$74,046
baseline
▲ 0.50% · 4.625%
HK$77,949
+HK$3,903/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,092/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,777
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,134
−HK$2,394/mo
Today · 4.125%
HK$80,528
baseline
▲ 0.50% · 4.625%
HK$85,428
+HK$4,900/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,056/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,301
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,562
−HK$2,293/mo
Today · 4.125%
HK$88,855
baseline
▲ 0.50% · 4.625%
HK$93,539
+HK$4,684/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,710/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,406
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,156
−HK$2,794/mo
Today · 4.125%
HK$93,950
baseline
▲ 0.50% · 4.625%
HK$99,667
+HK$5,717/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,900/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,351
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,989
−HK$2,675/mo
Today · 4.125%
HK$103,664
baseline
▲ 0.50% · 4.625%
HK$109,129
+HK$5,465/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,328/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,665
−HK$7,128/mo
▼ 0.25% · 3.875%
HK$117,201
−HK$3,592/mo
Today · 4.125%
HK$120,793
baseline
▲ 0.50% · 4.625%
HK$128,143
+HK$7,350/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$241,586/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,451
−HK$6,832/mo
▼ 0.25% · 3.875%
HK$129,842
−HK$3,441/mo
Today · 4.125%
HK$133,283
baseline
▲ 0.50% · 4.625%
HK$140,308
+HK$7,025/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$266,566/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,954 · Scale 2, in force from 26 Feb 2026)