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$63,050
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,012
−HK$1,992/mo
Today · 4.125%
HK$67,004
baseline
▲ 0.50% · 4.625%
HK$71,081
+HK$4,077/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,008/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,143
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,024
−HK$1,908/mo
Today · 4.125%
HK$73,932
baseline
▲ 0.50% · 4.625%
HK$77,830
+HK$3,898/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,864/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,660
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,014
−HK$2,391/mo
Today · 4.125%
HK$80,405
baseline
▲ 0.50% · 4.625%
HK$85,297
+HK$4,892/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,810/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,171
−HK$4,548/mo
▼ 0.25% · 3.875%
HK$86,429
−HK$2,290/mo
Today · 4.125%
HK$88,719
baseline
▲ 0.50% · 4.625%
HK$93,395
+HK$4,676/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,438/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,270
−HK$5,536/mo
▼ 0.25% · 3.875%
HK$91,016
−HK$2,790/mo
Today · 4.125%
HK$93,806
baseline
▲ 0.50% · 4.625%
HK$99,514
+HK$5,708/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,612/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,200
−HK$5,305/mo
▼ 0.25% · 3.875%
HK$100,834
−HK$2,671/mo
Today · 4.125%
HK$103,505
baseline
▲ 0.50% · 4.625%
HK$108,961
+HK$5,456/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,010/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,491
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$117,021
−HK$3,586/mo
Today · 4.125%
HK$120,607
baseline
▲ 0.50% · 4.625%
HK$127,946
+HK$7,339/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,214/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,257
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$129,643
−HK$3,435/mo
Today · 4.125%
HK$133,078
baseline
▲ 0.50% · 4.625%
HK$140,093
+HK$7,015/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,156/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,149 · Scale 2, in force from 26 Feb 2026)