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$63,176
−HK$3,962/mo
▼ 0.25% · 3.875%
HK$65,141
−HK$1,997/mo
Today · 4.125%
HK$67,138
baseline
▲ 0.50% · 4.625%
HK$71,223
+HK$4,085/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$134,276/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,283
−HK$3,797/mo
▼ 0.25% · 3.875%
HK$72,168
−HK$1,912/mo
Today · 4.125%
HK$74,080
baseline
▲ 0.50% · 4.625%
HK$77,985
+HK$3,905/mo
Deposit HK$13.85M · loan HK$13.85M · min. income ≈ HK$148,160/mo (50% DSR)
Upfront cash ≈ HK$15.03M (deposit + AVD stamp duty HK$1,177,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,811
−HK$4,754/mo
▼ 0.25% · 3.875%
HK$78,169
−HK$2,396/mo
Today · 4.125%
HK$80,565
baseline
▲ 0.50% · 4.625%
HK$85,467
+HK$4,902/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$161,130/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,339
−HK$4,557/mo
▼ 0.25% · 3.875%
HK$86,601
−HK$2,295/mo
Today · 4.125%
HK$88,896
baseline
▲ 0.50% · 4.625%
HK$93,582
+HK$4,686/mo
Deposit HK$11.08M · loan HK$16.62M · min. income ≈ HK$177,792/mo (50% DSR)
Upfront cash ≈ HK$12.26M (deposit + AVD stamp duty HK$1,177,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,446
−HK$5,547/mo
▼ 0.25% · 3.875%
HK$91,198
−HK$2,795/mo
Today · 4.125%
HK$93,993
baseline
▲ 0.50% · 4.625%
HK$99,712
+HK$5,719/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$187,986/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,396
−HK$5,316/mo
▼ 0.25% · 3.875%
HK$101,035
−HK$2,677/mo
Today · 4.125%
HK$103,712
baseline
▲ 0.50% · 4.625%
HK$109,178
+HK$5,466/mo
Deposit HK$8.31M · loan HK$19.39M · min. income ≈ HK$207,424/mo (50% DSR)
Upfront cash ≈ HK$9.49M (deposit + AVD stamp duty HK$1,177,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,717
−HK$7,131/mo
▼ 0.25% · 3.875%
HK$117,254
−HK$3,594/mo
Today · 4.125%
HK$120,848
baseline
▲ 0.50% · 4.625%
HK$128,201
+HK$7,353/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$241,696/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,509
−HK$6,835/mo
▼ 0.25% · 3.875%
HK$129,902
−HK$3,442/mo
Today · 4.125%
HK$133,344
baseline
▲ 0.50% · 4.625%
HK$140,372
+HK$7,028/mo
Deposit HK$2.77M · loan HK$24.94M · min. income ≈ HK$266,688/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,177,490 · Scale 2, in force from 26 Feb 2026)