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$63,138
−HK$3,960/mo
▼ 0.25% · 3.875%
HK$65,102
−HK$1,996/mo
Today · 4.125%
HK$67,098
baseline
▲ 0.50% · 4.625%
HK$71,180
+HK$4,082/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,196/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,241
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,124
−HK$1,911/mo
Today · 4.125%
HK$74,035
baseline
▲ 0.50% · 4.625%
HK$77,938
+HK$3,903/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,070/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,766
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,123
−HK$2,394/mo
Today · 4.125%
HK$80,517
baseline
▲ 0.50% · 4.625%
HK$85,416
+HK$4,899/mo
Deposit HK$11.08M · loan HK$16.61M · min. income ≈ HK$161,034/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,289
−HK$4,554/mo
▼ 0.25% · 3.875%
HK$86,549
−HK$2,294/mo
Today · 4.125%
HK$88,843
baseline
▲ 0.50% · 4.625%
HK$93,526
+HK$4,683/mo
Deposit HK$11.08M · loan HK$16.61M · min. income ≈ HK$177,686/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,393
−HK$5,544/mo
▼ 0.25% · 3.875%
HK$91,143
−HK$2,794/mo
Today · 4.125%
HK$93,937
baseline
▲ 0.50% · 4.625%
HK$99,652
+HK$5,715/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$187,874/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,337
−HK$5,313/mo
▼ 0.25% · 3.875%
HK$100,974
−HK$2,676/mo
Today · 4.125%
HK$103,650
baseline
▲ 0.50% · 4.625%
HK$109,113
+HK$5,463/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$207,300/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,649
−HK$7,127/mo
▼ 0.25% · 3.875%
HK$117,184
−HK$3,592/mo
Today · 4.125%
HK$120,776
baseline
▲ 0.50% · 4.625%
HK$128,124
+HK$7,348/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$241,552/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,433
−HK$6,831/mo
▼ 0.25% · 3.875%
HK$129,824
−HK$3,440/mo
Today · 4.125%
HK$133,264
baseline
▲ 0.50% · 4.625%
HK$140,288
+HK$7,024/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$266,528/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,786 · Scale 2, in force from 26 Feb 2026)