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$63,292
−HK$3,969/mo
▼ 0.25% · 3.875%
HK$65,261
−HK$2,000/mo
Today · 4.125%
HK$67,261
baseline
▲ 0.50% · 4.625%
HK$71,354
+HK$4,093/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$134,522/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,412
−HK$3,804/mo
▼ 0.25% · 3.875%
HK$72,300
−HK$1,916/mo
Today · 4.125%
HK$74,216
baseline
▲ 0.50% · 4.625%
HK$78,128
+HK$3,912/mo
Deposit HK$13.88M · loan HK$13.88M · min. income ≈ HK$148,432/mo (50% DSR)
Upfront cash ≈ HK$15.06M (deposit + AVD stamp duty HK$1,179,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,951
−HK$4,763/mo
▼ 0.25% · 3.875%
HK$78,313
−HK$2,401/mo
Today · 4.125%
HK$80,714
baseline
▲ 0.50% · 4.625%
HK$85,625
+HK$4,911/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$161,428/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,494
−HK$4,565/mo
▼ 0.25% · 3.875%
HK$86,761
−HK$2,298/mo
Today · 4.125%
HK$89,059
baseline
▲ 0.50% · 4.625%
HK$93,754
+HK$4,695/mo
Deposit HK$11.10M · loan HK$16.65M · min. income ≈ HK$178,118/mo (50% DSR)
Upfront cash ≈ HK$12.28M (deposit + AVD stamp duty HK$1,179,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,609
−HK$5,557/mo
▼ 0.25% · 3.875%
HK$91,365
−HK$2,801/mo
Today · 4.125%
HK$94,166
baseline
▲ 0.50% · 4.625%
HK$99,896
+HK$5,730/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$188,332/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,577
−HK$5,326/mo
▼ 0.25% · 3.875%
HK$101,221
−HK$2,682/mo
Today · 4.125%
HK$103,903
baseline
▲ 0.50% · 4.625%
HK$109,380
+HK$5,477/mo
Deposit HK$8.33M · loan HK$19.43M · min. income ≈ HK$207,806/mo (50% DSR)
Upfront cash ≈ HK$9.51M (deposit + AVD stamp duty HK$1,179,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,926
−HK$7,144/mo
▼ 0.25% · 3.875%
HK$117,470
−HK$3,600/mo
Today · 4.125%
HK$121,070
baseline
▲ 0.50% · 4.625%
HK$128,437
+HK$7,367/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$242,140/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,742
−HK$6,847/mo
▼ 0.25% · 3.875%
HK$130,141
−HK$3,448/mo
Today · 4.125%
HK$133,589
baseline
▲ 0.50% · 4.625%
HK$140,631
+HK$7,042/mo
Deposit HK$2.78M · loan HK$24.98M · min. income ≈ HK$267,178/mo (50% DSR)
Upfront cash ≈ HK$3.96M (deposit + AVD stamp duty HK$1,179,658 · Scale 2, in force from 26 Feb 2026)