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$63,338
−HK$3,971/mo
▼ 0.25% · 3.875%
HK$65,308
−HK$2,001/mo
Today · 4.125%
HK$67,309
baseline
▲ 0.50% · 4.625%
HK$71,405
+HK$4,096/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$134,618/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,462
−HK$3,807/mo
▼ 0.25% · 3.875%
HK$72,352
−HK$1,917/mo
Today · 4.125%
HK$74,269
baseline
▲ 0.50% · 4.625%
HK$78,184
+HK$3,915/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$148,538/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,005
−HK$4,766/mo
▼ 0.25% · 3.875%
HK$78,369
−HK$2,402/mo
Today · 4.125%
HK$80,771
baseline
▲ 0.50% · 4.625%
HK$85,686
+HK$4,915/mo
Deposit HK$11.11M · loan HK$16.67M · min. income ≈ HK$161,542/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,555
−HK$4,568/mo
▼ 0.25% · 3.875%
HK$86,823
−HK$2,300/mo
Today · 4.125%
HK$89,123
baseline
▲ 0.50% · 4.625%
HK$93,821
+HK$4,698/mo
Deposit HK$11.11M · loan HK$16.67M · min. income ≈ HK$178,246/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,673
−HK$5,560/mo
▼ 0.25% · 3.875%
HK$91,431
−HK$2,802/mo
Today · 4.125%
HK$94,233
baseline
▲ 0.50% · 4.625%
HK$99,967
+HK$5,734/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$188,466/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,647
−HK$5,330/mo
▼ 0.25% · 3.875%
HK$101,293
−HK$2,684/mo
Today · 4.125%
HK$103,977
baseline
▲ 0.50% · 4.625%
HK$109,458
+HK$5,481/mo
Deposit HK$8.33M · loan HK$19.44M · min. income ≈ HK$207,954/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,180,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,008
−HK$7,149/mo
▼ 0.25% · 3.875%
HK$117,554
−HK$3,603/mo
Today · 4.125%
HK$121,157
baseline
▲ 0.50% · 4.625%
HK$128,529
+HK$7,372/mo
Deposit HK$2.78M · loan HK$25.00M · min. income ≈ HK$242,314/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,832
−HK$6,853/mo
▼ 0.25% · 3.875%
HK$130,234
−HK$3,451/mo
Today · 4.125%
HK$133,685
baseline
▲ 0.50% · 4.625%
HK$140,731
+HK$7,046/mo
Deposit HK$2.78M · loan HK$25.00M · min. income ≈ HK$267,370/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,502 · Scale 2, in force from 26 Feb 2026)