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$62,620
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,568
−HK$1,979/mo
Today · 4.125%
HK$66,547
baseline
▲ 0.50% · 4.625%
HK$70,596
+HK$4,049/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$133,094/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,167,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,664
−HK$3,764/mo
▼ 0.25% · 3.875%
HK$71,532
−HK$1,896/mo
Today · 4.125%
HK$73,428
baseline
▲ 0.50% · 4.625%
HK$77,298
+HK$3,870/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$146,856/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,167,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,144
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$77,481
−HK$2,375/mo
Today · 4.125%
HK$79,856
baseline
▲ 0.50% · 4.625%
HK$84,715
+HK$4,859/mo
Deposit HK$10.98M · loan HK$16.48M · min. income ≈ HK$159,712/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,167,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,597
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$85,839
−HK$2,274/mo
Today · 4.125%
HK$88,113
baseline
▲ 0.50% · 4.625%
HK$92,758
+HK$4,645/mo
Deposit HK$10.98M · loan HK$16.48M · min. income ≈ HK$176,226/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,167,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,668
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,395
−HK$2,770/mo
Today · 4.125%
HK$93,165
baseline
▲ 0.50% · 4.625%
HK$98,834
+HK$5,669/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$186,330/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,529
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,145
−HK$2,654/mo
Today · 4.125%
HK$102,799
baseline
▲ 0.50% · 4.625%
HK$108,217
+HK$5,418/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$205,598/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,716
−HK$7,068/mo
▼ 0.25% · 3.875%
HK$116,222
−HK$3,562/mo
Today · 4.125%
HK$119,784
baseline
▲ 0.50% · 4.625%
HK$127,072
+HK$7,288/mo
Deposit HK$2.75M · loan HK$24.72M · min. income ≈ HK$239,568/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,167,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,395
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$128,758
−HK$3,412/mo
Today · 4.125%
HK$132,170
baseline
▲ 0.50% · 4.625%
HK$139,137
+HK$6,967/mo
Deposit HK$2.75M · loan HK$24.72M · min. income ≈ HK$264,340/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,167,124 · Scale 2, in force from 26 Feb 2026)