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$63,082
−HK$3,956/mo
▼ 0.25% · 3.875%
HK$65,045
−HK$1,993/mo
Today · 4.125%
HK$67,038
baseline
▲ 0.50% · 4.625%
HK$71,117
+HK$4,079/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,076/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,179
−HK$3,791/mo
▼ 0.25% · 3.875%
HK$72,061
−HK$1,909/mo
Today · 4.125%
HK$73,970
baseline
▲ 0.50% · 4.625%
HK$77,869
+HK$3,899/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,940/mo (50% DSR)
Upfront cash ≈ HK$15.01M (deposit + AVD stamp duty HK$1,175,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,699
−HK$4,747/mo
▼ 0.25% · 3.875%
HK$78,054
−HK$2,392/mo
Today · 4.125%
HK$80,446
baseline
▲ 0.50% · 4.625%
HK$85,341
+HK$4,895/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$160,892/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,214
−HK$4,550/mo
▼ 0.25% · 3.875%
HK$86,473
−HK$2,291/mo
Today · 4.125%
HK$88,764
baseline
▲ 0.50% · 4.625%
HK$93,443
+HK$4,679/mo
Deposit HK$11.07M · loan HK$16.60M · min. income ≈ HK$177,528/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,315
−HK$5,539/mo
▼ 0.25% · 3.875%
HK$91,063
−HK$2,791/mo
Today · 4.125%
HK$93,854
baseline
▲ 0.50% · 4.625%
HK$99,564
+HK$5,710/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$187,708/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,175,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,250
−HK$5,308/mo
▼ 0.25% · 3.875%
HK$100,885
−HK$2,673/mo
Today · 4.125%
HK$103,558
baseline
▲ 0.50% · 4.625%
HK$109,017
+HK$5,459/mo
Deposit HK$8.30M · loan HK$19.37M · min. income ≈ HK$207,116/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,175,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,548
−HK$7,121/mo
▼ 0.25% · 3.875%
HK$117,080
−HK$3,589/mo
Today · 4.125%
HK$120,669
baseline
▲ 0.50% · 4.625%
HK$128,011
+HK$7,342/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$241,338/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,747 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,321
−HK$6,825/mo
▼ 0.25% · 3.875%
HK$129,709
−HK$3,437/mo
Today · 4.125%
HK$133,146
baseline
▲ 0.50% · 4.625%
HK$140,165
+HK$7,019/mo
Deposit HK$2.77M · loan HK$24.90M · min. income ≈ HK$266,292/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,747 · Scale 2, in force from 26 Feb 2026)