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$62,466
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,409
−HK$1,974/mo
Today · 4.125%
HK$66,383
baseline
▲ 0.50% · 4.625%
HK$70,422
+HK$4,039/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,766/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,493
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,356
−HK$1,891/mo
Today · 4.125%
HK$73,247
baseline
▲ 0.50% · 4.625%
HK$77,108
+HK$3,861/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,494/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,959
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,291
−HK$2,369/mo
Today · 4.125%
HK$79,660
baseline
▲ 0.50% · 4.625%
HK$84,507
+HK$4,847/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,320/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,391
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,628
−HK$2,269/mo
Today · 4.125%
HK$87,897
baseline
▲ 0.50% · 4.625%
HK$92,530
+HK$4,633/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,794/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,452
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$90,173
−HK$2,763/mo
Today · 4.125%
HK$92,936
baseline
▲ 0.50% · 4.625%
HK$98,591
+HK$5,655/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$185,872/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,290
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$99,899
−HK$2,647/mo
Today · 4.125%
HK$102,546
baseline
▲ 0.50% · 4.625%
HK$107,951
+HK$5,405/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$205,092/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,439
−HK$7,051/mo
▼ 0.25% · 3.875%
HK$115,936
−HK$3,554/mo
Today · 4.125%
HK$119,490
baseline
▲ 0.50% · 4.625%
HK$126,760
+HK$7,270/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$238,980/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,087
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$128,442
−HK$3,403/mo
Today · 4.125%
HK$131,845
baseline
▲ 0.50% · 4.625%
HK$138,795
+HK$6,950/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$263,690/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,256 · Scale 2, in force from 26 Feb 2026)