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$63,124
−HK$3,959/mo
▼ 0.25% · 3.875%
HK$65,088
−HK$1,995/mo
Today · 4.125%
HK$67,083
baseline
▲ 0.50% · 4.625%
HK$71,165
+HK$4,082/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,166/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,225
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,109
−HK$1,910/mo
Today · 4.125%
HK$74,019
baseline
▲ 0.50% · 4.625%
HK$77,921
+HK$3,902/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,038/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,749
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,106
−HK$2,394/mo
Today · 4.125%
HK$80,500
baseline
▲ 0.50% · 4.625%
HK$85,398
+HK$4,898/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$161,000/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,270
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,531
−HK$2,292/mo
Today · 4.125%
HK$88,823
baseline
▲ 0.50% · 4.625%
HK$93,505
+HK$4,682/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$177,646/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,374
−HK$5,542/mo
▼ 0.25% · 3.875%
HK$91,123
−HK$2,793/mo
Today · 4.125%
HK$93,916
baseline
▲ 0.50% · 4.625%
HK$99,631
+HK$5,715/mo
Deposit HK$8.30M · loan HK$19.38M · min. income ≈ HK$187,832/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,316
−HK$5,311/mo
▼ 0.25% · 3.875%
HK$100,952
−HK$2,675/mo
Today · 4.125%
HK$103,627
baseline
▲ 0.50% · 4.625%
HK$109,090
+HK$5,463/mo
Deposit HK$8.30M · loan HK$19.38M · min. income ≈ HK$207,254/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,624
−HK$7,125/mo
▼ 0.25% · 3.875%
HK$117,158
−HK$3,591/mo
Today · 4.125%
HK$120,749
baseline
▲ 0.50% · 4.625%
HK$128,097
+HK$7,348/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$241,498/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,406
−HK$6,829/mo
▼ 0.25% · 3.875%
HK$129,796
−HK$3,439/mo
Today · 4.125%
HK$133,235
baseline
▲ 0.50% · 4.625%
HK$140,258
+HK$7,023/mo
Deposit HK$2.77M · loan HK$24.91M · min. income ≈ HK$266,470/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,176,531 · Scale 2, in force from 26 Feb 2026)