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$62,950
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,908
−HK$1,990/mo
Today · 4.125%
HK$66,898
baseline
▲ 0.50% · 4.625%
HK$70,968
+HK$4,070/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,796/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,031
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,910
−HK$1,905/mo
Today · 4.125%
HK$73,815
baseline
▲ 0.50% · 4.625%
HK$77,706
+HK$3,891/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,630/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,540
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,890
−HK$2,387/mo
Today · 4.125%
HK$80,277
baseline
▲ 0.50% · 4.625%
HK$85,162
+HK$4,885/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,554/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,038
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,292
−HK$2,286/mo
Today · 4.125%
HK$88,578
baseline
▲ 0.50% · 4.625%
HK$93,247
+HK$4,669/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,156/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,130
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$90,872
−HK$2,785/mo
Today · 4.125%
HK$93,657
baseline
▲ 0.50% · 4.625%
HK$99,356
+HK$5,699/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,314/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,044
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,674
−HK$2,667/mo
Today · 4.125%
HK$103,341
baseline
▲ 0.50% · 4.625%
HK$108,788
+HK$5,447/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,682/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,310
−HK$7,106/mo
▼ 0.25% · 3.875%
HK$116,835
−HK$3,581/mo
Today · 4.125%
HK$120,416
baseline
▲ 0.50% · 4.625%
HK$127,743
+HK$7,327/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$240,832/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,057
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$129,437
−HK$3,430/mo
Today · 4.125%
HK$132,867
baseline
▲ 0.50% · 4.625%
HK$139,871
+HK$7,004/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$265,734/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,282 · Scale 2, in force from 26 Feb 2026)