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$63,356
−HK$3,973/mo
▼ 0.25% · 3.875%
HK$65,327
−HK$2,002/mo
Today · 4.125%
HK$67,329
baseline
▲ 0.50% · 4.625%
HK$71,426
+HK$4,097/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$134,658/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,483
−HK$3,808/mo
▼ 0.25% · 3.875%
HK$72,373
−HK$1,918/mo
Today · 4.125%
HK$74,291
baseline
▲ 0.50% · 4.625%
HK$78,207
+HK$3,916/mo
Deposit HK$13.89M · loan HK$13.89M · min. income ≈ HK$148,582/mo (50% DSR)
Upfront cash ≈ HK$15.07M (deposit + AVD stamp duty HK$1,180,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,027
−HK$4,768/mo
▼ 0.25% · 3.875%
HK$78,392
−HK$2,403/mo
Today · 4.125%
HK$80,795
baseline
▲ 0.50% · 4.625%
HK$85,711
+HK$4,916/mo
Deposit HK$11.11M · loan HK$16.67M · min. income ≈ HK$161,590/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,579
−HK$4,570/mo
▼ 0.25% · 3.875%
HK$86,848
−HK$2,301/mo
Today · 4.125%
HK$89,149
baseline
▲ 0.50% · 4.625%
HK$93,848
+HK$4,699/mo
Deposit HK$11.11M · loan HK$16.67M · min. income ≈ HK$178,298/mo (50% DSR)
Upfront cash ≈ HK$12.29M (deposit + AVD stamp duty HK$1,180,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,698
−HK$5,563/mo
▼ 0.25% · 3.875%
HK$91,457
−HK$2,804/mo
Today · 4.125%
HK$94,261
baseline
▲ 0.50% · 4.625%
HK$99,996
+HK$5,735/mo
Deposit HK$8.34M · loan HK$19.45M · min. income ≈ HK$188,522/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,180,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,676
−HK$5,331/mo
▼ 0.25% · 3.875%
HK$101,322
−HK$2,685/mo
Today · 4.125%
HK$104,007
baseline
▲ 0.50% · 4.625%
HK$109,490
+HK$5,483/mo
Deposit HK$8.34M · loan HK$19.45M · min. income ≈ HK$208,014/mo (50% DSR)
Upfront cash ≈ HK$9.52M (deposit + AVD stamp duty HK$1,180,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$114,041
−HK$7,151/mo
▼ 0.25% · 3.875%
HK$117,588
−HK$3,604/mo
Today · 4.125%
HK$121,192
baseline
▲ 0.50% · 4.625%
HK$128,566
+HK$7,374/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$242,384/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,869
−HK$6,855/mo
▼ 0.25% · 3.875%
HK$130,272
−HK$3,452/mo
Today · 4.125%
HK$133,724
baseline
▲ 0.50% · 4.625%
HK$140,772
+HK$7,048/mo
Deposit HK$2.78M · loan HK$25.01M · min. income ≈ HK$267,448/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,180,845 · Scale 2, in force from 26 Feb 2026)