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$63,245
−HK$3,966/mo
▼ 0.25% · 3.875%
HK$65,213
−HK$1,998/mo
Today · 4.125%
HK$67,211
baseline
▲ 0.50% · 4.625%
HK$71,301
+HK$4,090/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$134,422/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,360
−HK$3,801/mo
▼ 0.25% · 3.875%
HK$72,247
−HK$1,914/mo
Today · 4.125%
HK$74,161
baseline
▲ 0.50% · 4.625%
HK$78,070
+HK$3,909/mo
Deposit HK$13.87M · loan HK$13.87M · min. income ≈ HK$148,322/mo (50% DSR)
Upfront cash ≈ HK$15.05M (deposit + AVD stamp duty HK$1,178,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,894
−HK$4,760/mo
▼ 0.25% · 3.875%
HK$78,255
−HK$2,399/mo
Today · 4.125%
HK$80,654
baseline
▲ 0.50% · 4.625%
HK$85,561
+HK$4,907/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$161,308/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,432
−HK$4,561/mo
▼ 0.25% · 3.875%
HK$86,696
−HK$2,297/mo
Today · 4.125%
HK$88,993
baseline
▲ 0.50% · 4.625%
HK$93,684
+HK$4,691/mo
Deposit HK$11.09M · loan HK$16.64M · min. income ≈ HK$177,986/mo (50% DSR)
Upfront cash ≈ HK$12.27M (deposit + AVD stamp duty HK$1,178,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,544
−HK$5,552/mo
▼ 0.25% · 3.875%
HK$91,298
−HK$2,798/mo
Today · 4.125%
HK$94,096
baseline
▲ 0.50% · 4.625%
HK$99,822
+HK$5,726/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$188,192/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,504
−HK$5,322/mo
▼ 0.25% · 3.875%
HK$101,146
−HK$2,680/mo
Today · 4.125%
HK$103,826
baseline
▲ 0.50% · 4.625%
HK$109,298
+HK$5,472/mo
Deposit HK$8.32M · loan HK$19.42M · min. income ≈ HK$207,652/mo (50% DSR)
Upfront cash ≈ HK$9.50M (deposit + AVD stamp duty HK$1,178,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,842
−HK$7,139/mo
▼ 0.25% · 3.875%
HK$117,383
−HK$3,598/mo
Today · 4.125%
HK$120,981
baseline
▲ 0.50% · 4.625%
HK$128,342
+HK$7,361/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$241,962/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,648
−HK$6,842/mo
▼ 0.25% · 3.875%
HK$130,044
−HK$3,446/mo
Today · 4.125%
HK$133,490
baseline
▲ 0.50% · 4.625%
HK$140,527
+HK$7,037/mo
Deposit HK$2.77M · loan HK$24.96M · min. income ≈ HK$266,980/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,178,784 · Scale 2, in force from 26 Feb 2026)