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$62,826
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,780
−HK$1,985/mo
Today · 4.125%
HK$66,765
baseline
▲ 0.50% · 4.625%
HK$70,828
+HK$4,063/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,530/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,170,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,893
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,767
−HK$1,902/mo
Today · 4.125%
HK$73,669
baseline
▲ 0.50% · 4.625%
HK$77,552
+HK$3,883/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,338/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,170,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,391
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,736
−HK$2,382/mo
Today · 4.125%
HK$80,118
baseline
▲ 0.50% · 4.625%
HK$84,993
+HK$4,875/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,236/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,871
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,121
−HK$2,282/mo
Today · 4.125%
HK$88,403
baseline
▲ 0.50% · 4.625%
HK$93,063
+HK$4,660/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,806/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,956
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,692
−HK$2,779/mo
Today · 4.125%
HK$93,471
baseline
▲ 0.50% · 4.625%
HK$99,159
+HK$5,688/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$186,942/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,850
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,474
−HK$2,662/mo
Today · 4.125%
HK$103,136
baseline
▲ 0.50% · 4.625%
HK$108,573
+HK$5,437/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$206,272/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,086
−HK$7,092/mo
▼ 0.25% · 3.875%
HK$116,604
−HK$3,574/mo
Today · 4.125%
HK$120,178
baseline
▲ 0.50% · 4.625%
HK$127,490
+HK$7,312/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$240,356/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,807
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$129,181
−HK$3,423/mo
Today · 4.125%
HK$132,604
baseline
▲ 0.50% · 4.625%
HK$139,594
+HK$6,990/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$265,208/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,960 · Scale 2, in force from 26 Feb 2026)