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$63,157
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,122
−HK$1,996/mo
Today · 4.125%
HK$67,118
baseline
▲ 0.50% · 4.625%
HK$71,202
+HK$4,084/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,236/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,262
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,146
−HK$1,912/mo
Today · 4.125%
HK$74,058
baseline
▲ 0.50% · 4.625%
HK$77,961
+HK$3,903/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,116/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,789
−HK$4,752/mo
▼ 0.25% · 3.875%
HK$78,146
−HK$2,395/mo
Today · 4.125%
HK$80,541
baseline
▲ 0.50% · 4.625%
HK$85,442
+HK$4,901/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,082/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,314
−HK$4,555/mo
▼ 0.25% · 3.875%
HK$86,575
−HK$2,294/mo
Today · 4.125%
HK$88,869
baseline
▲ 0.50% · 4.625%
HK$93,554
+HK$4,685/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,738/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,420
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,170
−HK$2,795/mo
Today · 4.125%
HK$93,965
baseline
▲ 0.50% · 4.625%
HK$99,682
+HK$5,717/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,930/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,366
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,004
−HK$2,677/mo
Today · 4.125%
HK$103,681
baseline
▲ 0.50% · 4.625%
HK$109,146
+HK$5,465/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,362/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,683
−HK$7,129/mo
▼ 0.25% · 3.875%
HK$117,219
−HK$3,593/mo
Today · 4.125%
HK$120,812
baseline
▲ 0.50% · 4.625%
HK$128,163
+HK$7,351/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$241,624/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,471
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$129,863
−HK$3,441/mo
Today · 4.125%
HK$133,304
baseline
▲ 0.50% · 4.625%
HK$140,330
+HK$7,026/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$266,608/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,139 · Scale 2, in force from 26 Feb 2026)