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$63,301
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,270
−HK$2,000/mo
Today · 4.125%
HK$67,270
baseline
▲ 0.50% · 4.625%
HK$71,363
+HK$4,093/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$134,540/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,421
−HK$3,805/mo
▼ 0.25% · 3.875%
HK$72,310
−HK$1,916/mo
Today · 4.125%
HK$74,226
baseline
▲ 0.50% · 4.625%
HK$78,139
+HK$3,913/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$148,452/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,961
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,324
−HK$2,400/mo
Today · 4.125%
HK$80,724
baseline
▲ 0.50% · 4.625%
HK$85,636
+HK$4,912/mo
Deposit HK$11.10M · loan HK$16.66M · min. income ≈ HK$161,448/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,506
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,772
−HK$2,299/mo
Today · 4.125%
HK$89,071
baseline
▲ 0.50% · 4.625%
HK$93,766
+HK$4,695/mo
Deposit HK$11.10M · loan HK$16.66M · min. income ≈ HK$178,142/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,621
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$91,378
−HK$2,800/mo
Today · 4.125%
HK$94,178
baseline
▲ 0.50% · 4.625%
HK$99,909
+HK$5,731/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$188,356/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,590
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$101,234
−HK$2,682/mo
Today · 4.125%
HK$103,916
baseline
▲ 0.50% · 4.625%
HK$109,394
+HK$5,478/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$207,832/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,941
−HK$7,145/mo
▼ 0.25% · 3.875%
HK$117,485
−HK$3,601/mo
Today · 4.125%
HK$121,086
baseline
▲ 0.50% · 4.625%
HK$128,454
+HK$7,368/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$242,172/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,758
−HK$6,849/mo
▼ 0.25% · 3.875%
HK$130,158
−HK$3,449/mo
Today · 4.125%
HK$133,607
baseline
▲ 0.50% · 4.625%
HK$140,649
+HK$7,042/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$267,214/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,815 · Scale 2, in force from 26 Feb 2026)