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$63,162
−HK$3,961/mo
▼ 0.25% · 3.875%
HK$65,127
−HK$1,996/mo
Today · 4.125%
HK$67,123
baseline
▲ 0.50% · 4.625%
HK$71,207
+HK$4,084/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,246/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,267
−HK$3,796/mo
▼ 0.25% · 3.875%
HK$72,152
−HK$1,911/mo
Today · 4.125%
HK$74,063
baseline
▲ 0.50% · 4.625%
HK$77,967
+HK$3,904/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,126/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,794
−HK$4,753/mo
▼ 0.25% · 3.875%
HK$78,152
−HK$2,395/mo
Today · 4.125%
HK$80,547
baseline
▲ 0.50% · 4.625%
HK$85,448
+HK$4,901/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,094/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,320
−HK$4,556/mo
▼ 0.25% · 3.875%
HK$86,582
−HK$2,294/mo
Today · 4.125%
HK$88,876
baseline
▲ 0.50% · 4.625%
HK$93,561
+HK$4,685/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,752/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,427
−HK$5,545/mo
▼ 0.25% · 3.875%
HK$91,177
−HK$2,795/mo
Today · 4.125%
HK$93,972
baseline
▲ 0.50% · 4.625%
HK$99,690
+HK$5,718/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,944/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,374
−HK$5,315/mo
▼ 0.25% · 3.875%
HK$101,012
−HK$2,677/mo
Today · 4.125%
HK$103,689
baseline
▲ 0.50% · 4.625%
HK$109,154
+HK$5,465/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,378/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,691
−HK$7,130/mo
▼ 0.25% · 3.875%
HK$117,228
−HK$3,593/mo
Today · 4.125%
HK$120,821
baseline
▲ 0.50% · 4.625%
HK$128,173
+HK$7,352/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$241,642/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,481
−HK$6,833/mo
▼ 0.25% · 3.875%
HK$129,873
−HK$3,441/mo
Today · 4.125%
HK$133,314
baseline
▲ 0.50% · 4.625%
HK$140,341
+HK$7,027/mo
Deposit HK$2.77M · loan HK$24.93M · min. income ≈ HK$266,628/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,229 · Scale 2, in force from 26 Feb 2026)