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$63,357
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,328
−HK$2,002/mo
Today · 4.125%
HK$67,330
baseline
▲ 0.50% · 4.625%
HK$71,427
+HK$4,097/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$134,660/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,484
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,375
−HK$1,917/mo
Today · 4.125%
HK$74,292
baseline
▲ 0.50% · 4.625%
HK$78,208
+HK$3,916/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$148,584/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,029
−HK$4,767/mo
▼ 0.25% · 3.875%
HK$78,394
−HK$2,402/mo
Today · 4.125%
HK$80,796
baseline
▲ 0.50% · 4.625%
HK$85,713
+HK$4,917/mo
Deposit HK$11.11M · loan HK$16.67M · min. income ≈ HK$161,592/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,581
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,850
−HK$2,301/mo
Today · 4.125%
HK$89,151
baseline
▲ 0.50% · 4.625%
HK$93,850
+HK$4,699/mo
Deposit HK$11.11M · loan HK$16.67M · min. income ≈ HK$178,302/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,700
−HK$5,562/mo
▼ 0.25% · 3.875%
HK$91,459
−HK$2,803/mo
Today · 4.125%
HK$94,262
baseline
▲ 0.50% · 4.625%
HK$99,998
+HK$5,736/mo
Deposit HK$8.34M · loan HK$19.45M · min. income ≈ HK$188,524/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,180,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,678
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,324
−HK$2,685/mo
Today · 4.125%
HK$104,009
baseline
▲ 0.50% · 4.625%
HK$109,492
+HK$5,483/mo
Deposit HK$8.34M · loan HK$19.45M · min. income ≈ HK$208,018/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,180,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,043
−HK$7,151/mo
▼ 0.25% · 3.875%
HK$117,590
−HK$3,604/mo
Today · 4.125%
HK$121,194
baseline
▲ 0.50% · 4.625%
HK$128,569
+HK$7,375/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$242,388/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,872
−HK$6,854/mo
▼ 0.25% · 3.875%
HK$130,274
−HK$3,452/mo
Today · 4.125%
HK$133,726
baseline
▲ 0.50% · 4.625%
HK$140,775
+HK$7,049/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$267,452/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,868 · Scale 2, in force from 26 Feb 2026)