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$63,320
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,290
−HK$2,001/mo
Today · 4.125%
HK$67,291
baseline
▲ 0.50% · 4.625%
HK$71,385
+HK$4,094/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$134,582/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,180,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,443
−HK$3,806/mo
▼ 0.25% · 3.875%
HK$72,332
−HK$1,917/mo
Today · 4.125%
HK$74,249
baseline
▲ 0.50% · 4.625%
HK$78,163
+HK$3,914/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$148,498/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,180,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,984
−HK$4,765/mo
▼ 0.25% · 3.875%
HK$78,348
−HK$2,401/mo
Today · 4.125%
HK$80,749
baseline
▲ 0.50% · 4.625%
HK$85,662
+HK$4,913/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$161,498/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,532
−HK$4,567/mo
▼ 0.25% · 3.875%
HK$86,799
−HK$2,300/mo
Today · 4.125%
HK$89,099
baseline
▲ 0.50% · 4.625%
HK$93,795
+HK$4,696/mo
Deposit HK$11.11M · loan HK$16.66M · min. income ≈ HK$178,198/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,648
−HK$5,559/mo
▼ 0.25% · 3.875%
HK$91,406
−HK$2,801/mo
Today · 4.125%
HK$94,207
baseline
▲ 0.50% · 4.625%
HK$99,940
+HK$5,733/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$188,414/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,620
−HK$5,328/mo
▼ 0.25% · 3.875%
HK$101,265
−HK$2,683/mo
Today · 4.125%
HK$103,948
baseline
▲ 0.50% · 4.625%
HK$109,428
+HK$5,480/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$207,896/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,976
−HK$7,148/mo
▼ 0.25% · 3.875%
HK$117,522
−HK$3,602/mo
Today · 4.125%
HK$121,124
baseline
▲ 0.50% · 4.625%
HK$128,494
+HK$7,370/mo
Deposit HK$2.78M · loan HK$24.99M · min. income ≈ HK$242,248/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,798
−HK$6,850/mo
▼ 0.25% · 3.875%
HK$130,198
−HK$3,450/mo
Today · 4.125%
HK$133,648
baseline
▲ 0.50% · 4.625%
HK$140,693
+HK$7,045/mo
Deposit HK$2.78M · loan HK$24.99M · min. income ≈ HK$267,296/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,178 · Scale 2, in force from 26 Feb 2026)