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$63,051
−HK$3,954/mo
▼ 0.25% · 3.875%
HK$65,012
−HK$1,993/mo
Today · 4.125%
HK$67,005
baseline
▲ 0.50% · 4.625%
HK$71,082
+HK$4,077/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$134,010/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,144
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,025
−HK$1,908/mo
Today · 4.125%
HK$73,933
baseline
▲ 0.50% · 4.625%
HK$77,831
+HK$3,898/mo
Deposit HK$13.83M · loan HK$13.83M · min. income ≈ HK$147,866/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,175,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,661
−HK$4,745/mo
▼ 0.25% · 3.875%
HK$78,015
−HK$2,391/mo
Today · 4.125%
HK$80,406
baseline
▲ 0.50% · 4.625%
HK$85,299
+HK$4,893/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,812/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,173
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,430
−HK$2,290/mo
Today · 4.125%
HK$88,720
baseline
▲ 0.50% · 4.625%
HK$93,397
+HK$4,677/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,440/mo (50% DSR)
Upfront cash ≈ HK$12.24M (deposit + AVD stamp duty HK$1,175,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,272
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,017
−HK$2,790/mo
Today · 4.125%
HK$93,807
baseline
▲ 0.50% · 4.625%
HK$99,515
+HK$5,708/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$187,614/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,201
−HK$5,306/mo
▼ 0.25% · 3.875%
HK$100,835
−HK$2,672/mo
Today · 4.125%
HK$103,507
baseline
▲ 0.50% · 4.625%
HK$108,963
+HK$5,456/mo
Deposit HK$8.30M · loan HK$19.36M · min. income ≈ HK$207,014/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,175,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,492
−HK$7,117/mo
▼ 0.25% · 3.875%
HK$117,022
−HK$3,587/mo
Today · 4.125%
HK$120,609
baseline
▲ 0.50% · 4.625%
HK$127,948
+HK$7,339/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$241,218/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,259
−HK$6,821/mo
▼ 0.25% · 3.875%
HK$129,645
−HK$3,435/mo
Today · 4.125%
HK$133,080
baseline
▲ 0.50% · 4.625%
HK$140,095
+HK$7,015/mo
Deposit HK$2.77M · loan HK$24.89M · min. income ≈ HK$266,160/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,175,164 · Scale 2, in force from 26 Feb 2026)