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$63,050
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,011
−HK$1,993/mo
Today · 4.125%
HK$67,004
baseline
▲ 0.50% · 4.625%
HK$71,081
+HK$4,077/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,008/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,142
−HK$3,790/mo
▼ 0.25% · 3.875%
HK$72,023
−HK$1,909/mo
Today · 4.125%
HK$73,932
baseline
▲ 0.50% · 4.625%
HK$77,829
+HK$3,897/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,864/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,660
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,013
−HK$2,391/mo
Today · 4.125%
HK$80,404
baseline
▲ 0.50% · 4.625%
HK$85,297
+HK$4,893/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,808/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,171
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,428
−HK$2,290/mo
Today · 4.125%
HK$88,718
baseline
▲ 0.50% · 4.625%
HK$93,395
+HK$4,677/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,436/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,270
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,015
−HK$2,790/mo
Today · 4.125%
HK$93,805
baseline
▲ 0.50% · 4.625%
HK$99,513
+HK$5,708/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,610/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,199
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,833
−HK$2,671/mo
Today · 4.125%
HK$103,504
baseline
▲ 0.50% · 4.625%
HK$108,960
+HK$5,456/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,008/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,490
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$117,020
−HK$3,586/mo
Today · 4.125%
HK$120,606
baseline
▲ 0.50% · 4.625%
HK$127,945
+HK$7,339/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,212/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,256
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$129,642
−HK$3,435/mo
Today · 4.125%
HK$133,077
baseline
▲ 0.50% · 4.625%
HK$140,092
+HK$7,015/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,154/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,138 · Scale 2, in force from 26 Feb 2026)