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$63,045
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$65,006
−HK$1,992/mo
Today · 4.125%
HK$66,998
baseline
▲ 0.50% · 4.625%
HK$71,075
+HK$4,077/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$133,996/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,137
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,018
−HK$1,908/mo
Today · 4.125%
HK$73,926
baseline
▲ 0.50% · 4.625%
HK$77,823
+HK$3,897/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$147,852/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,654
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,007
−HK$2,391/mo
Today · 4.125%
HK$80,398
baseline
▲ 0.50% · 4.625%
HK$85,290
+HK$4,892/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,796/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,175,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,164
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,421
−HK$2,290/mo
Today · 4.125%
HK$88,711
baseline
▲ 0.50% · 4.625%
HK$93,387
+HK$4,676/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,422/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,175,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,263
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$91,008
−HK$2,789/mo
Today · 4.125%
HK$93,797
baseline
▲ 0.50% · 4.625%
HK$99,505
+HK$5,708/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$187,594/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,191
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,825
−HK$2,671/mo
Today · 4.125%
HK$103,496
baseline
▲ 0.50% · 4.625%
HK$108,952
+HK$5,456/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$206,992/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,481
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$117,010
−HK$3,587/mo
Today · 4.125%
HK$120,597
baseline
▲ 0.50% · 4.625%
HK$127,935
+HK$7,338/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$241,194/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,246
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$129,632
−HK$3,435/mo
Today · 4.125%
HK$133,067
baseline
▲ 0.50% · 4.625%
HK$140,081
+HK$7,014/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$266,134/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,044 · Scale 2, in force from 26 Feb 2026)