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$63,067
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,028
−HK$1,993/mo
Today · 4.125%
HK$67,021
baseline
▲ 0.50% · 4.625%
HK$71,100
+HK$4,079/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,042/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,161
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,043
−HK$1,909/mo
Today · 4.125%
HK$73,952
baseline
▲ 0.50% · 4.625%
HK$77,850
+HK$3,898/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,904/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,680
−HK$4,746/mo
▼ 0.25% · 3.875%
HK$78,034
−HK$2,392/mo
Today · 4.125%
HK$80,426
baseline
▲ 0.50% · 4.625%
HK$85,319
+HK$4,893/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,852/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,193
−HK$4,549/mo
▼ 0.25% · 3.875%
HK$86,451
−HK$2,291/mo
Today · 4.125%
HK$88,742
baseline
▲ 0.50% · 4.625%
HK$93,420
+HK$4,678/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,484/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,293
−HK$5,537/mo
▼ 0.25% · 3.875%
HK$91,040
−HK$2,790/mo
Today · 4.125%
HK$93,830
baseline
▲ 0.50% · 4.625%
HK$99,539
+HK$5,709/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,660/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,225
−HK$5,307/mo
▼ 0.25% · 3.875%
HK$100,860
−HK$2,672/mo
Today · 4.125%
HK$103,532
baseline
▲ 0.50% · 4.625%
HK$108,990
+HK$5,458/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,064/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,520
−HK$7,119/mo
▼ 0.25% · 3.875%
HK$117,051
−HK$3,588/mo
Today · 4.125%
HK$120,639
baseline
▲ 0.50% · 4.625%
HK$127,979
+HK$7,340/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,278/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,453 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,290
−HK$6,823/mo
▼ 0.25% · 3.875%
HK$129,677
−HK$3,436/mo
Today · 4.125%
HK$133,113
baseline
▲ 0.50% · 4.625%
HK$140,129
+HK$7,016/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,226/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,453 · Scale 2, in force from 26 Feb 2026)