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$63,042
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$65,003
−HK$1,992/mo
Today · 4.125%
HK$66,995
baseline
▲ 0.50% · 4.625%
HK$71,072
+HK$4,077/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$133,990/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,174,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,133
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,014
−HK$1,908/mo
Today · 4.125%
HK$73,922
baseline
▲ 0.50% · 4.625%
HK$77,819
+HK$3,897/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$147,844/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,174,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,650
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$78,003
−HK$2,391/mo
Today · 4.125%
HK$80,394
baseline
▲ 0.50% · 4.625%
HK$85,286
+HK$4,892/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,788/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,160
−HK$4,547/mo
▼ 0.25% · 3.875%
HK$86,417
−HK$2,290/mo
Today · 4.125%
HK$88,707
baseline
▲ 0.50% · 4.625%
HK$93,383
+HK$4,676/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,414/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,258
−HK$5,535/mo
▼ 0.25% · 3.875%
HK$91,004
−HK$2,789/mo
Today · 4.125%
HK$93,793
baseline
▲ 0.50% · 4.625%
HK$99,500
+HK$5,707/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$187,586/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,187
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,820
−HK$2,671/mo
Today · 4.125%
HK$103,491
baseline
▲ 0.50% · 4.625%
HK$108,947
+HK$5,456/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$206,982/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,475
−HK$7,116/mo
▼ 0.25% · 3.875%
HK$117,005
−HK$3,586/mo
Today · 4.125%
HK$120,591
baseline
▲ 0.50% · 4.625%
HK$127,929
+HK$7,338/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$241,182/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,240
−HK$6,820/mo
▼ 0.25% · 3.875%
HK$129,626
−HK$3,434/mo
Today · 4.125%
HK$133,060
baseline
▲ 0.50% · 4.625%
HK$140,074
+HK$7,014/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$266,120/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,989 · Scale 2, in force from 26 Feb 2026)