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$63,130
−HK$3,958/mo
▼ 0.25% · 3.875%
HK$65,093
−HK$1,995/mo
Today · 4.125%
HK$67,088
baseline
▲ 0.50% · 4.625%
HK$71,170
+HK$4,082/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$134,176/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,231
−HK$3,794/mo
▼ 0.25% · 3.875%
HK$72,115
−HK$1,910/mo
Today · 4.125%
HK$74,025
baseline
▲ 0.50% · 4.625%
HK$77,927
+HK$3,902/mo
Deposit HK$13.84M · loan HK$13.84M · min. income ≈ HK$148,050/mo (50% DSR)
Upfront cash ≈ HK$15.02M (deposit + AVD stamp duty HK$1,176,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,755
−HK$4,751/mo
▼ 0.25% · 3.875%
HK$78,112
−HK$2,394/mo
Today · 4.125%
HK$80,506
baseline
▲ 0.50% · 4.625%
HK$85,405
+HK$4,899/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$161,012/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,277
−HK$4,553/mo
▼ 0.25% · 3.875%
HK$86,537
−HK$2,293/mo
Today · 4.125%
HK$88,830
baseline
▲ 0.50% · 4.625%
HK$93,513
+HK$4,683/mo
Deposit HK$11.07M · loan HK$16.61M · min. income ≈ HK$177,660/mo (50% DSR)
Upfront cash ≈ HK$12.25M (deposit + AVD stamp duty HK$1,176,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,381
−HK$5,543/mo
▼ 0.25% · 3.875%
HK$91,131
−HK$2,793/mo
Today · 4.125%
HK$93,924
baseline
▲ 0.50% · 4.625%
HK$99,639
+HK$5,715/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$187,848/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,323
−HK$5,312/mo
▼ 0.25% · 3.875%
HK$100,960
−HK$2,675/mo
Today · 4.125%
HK$103,635
baseline
▲ 0.50% · 4.625%
HK$109,098
+HK$5,463/mo
Deposit HK$8.31M · loan HK$19.38M · min. income ≈ HK$207,270/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$1,176,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,633
−HK$7,126/mo
▼ 0.25% · 3.875%
HK$117,168
−HK$3,591/mo
Today · 4.125%
HK$120,759
baseline
▲ 0.50% · 4.625%
HK$128,107
+HK$7,348/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$241,518/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,416
−HK$6,830/mo
▼ 0.25% · 3.875%
HK$129,806
−HK$3,440/mo
Today · 4.125%
HK$133,246
baseline
▲ 0.50% · 4.625%
HK$140,269
+HK$7,023/mo
Deposit HK$2.77M · loan HK$24.92M · min. income ≈ HK$266,492/mo (50% DSR)
Upfront cash ≈ HK$3.95M (deposit + AVD stamp duty HK$1,176,625 · Scale 2, in force from 26 Feb 2026)