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$62,888
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,844
−HK$1,988/mo
Today · 4.125%
HK$66,832
baseline
▲ 0.50% · 4.625%
HK$70,898
+HK$4,066/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,664/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,963
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,839
−HK$1,903/mo
Today · 4.125%
HK$73,742
baseline
▲ 0.50% · 4.625%
HK$77,629
+HK$3,887/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,484/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,466
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,813
−HK$2,385/mo
Today · 4.125%
HK$80,198
baseline
▲ 0.50% · 4.625%
HK$85,078
+HK$4,880/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$160,396/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,172,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,955
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,207
−HK$2,284/mo
Today · 4.125%
HK$88,491
baseline
▲ 0.50% · 4.625%
HK$93,155
+HK$4,664/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$176,982/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,172,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,044
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$90,782
−HK$2,783/mo
Today · 4.125%
HK$93,565
baseline
▲ 0.50% · 4.625%
HK$99,258
+HK$5,693/mo
Deposit HK$8.27M · loan HK$19.31M · min. income ≈ HK$187,130/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,948
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$100,574
−HK$2,665/mo
Today · 4.125%
HK$103,239
baseline
▲ 0.50% · 4.625%
HK$108,681
+HK$5,442/mo
Deposit HK$8.27M · loan HK$19.31M · min. income ≈ HK$206,478/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,199
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$116,720
−HK$3,577/mo
Today · 4.125%
HK$120,297
baseline
▲ 0.50% · 4.625%
HK$127,617
+HK$7,320/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$240,594/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,933
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$129,310
−HK$3,426/mo
Today · 4.125%
HK$132,736
baseline
▲ 0.50% · 4.625%
HK$139,733
+HK$6,997/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$265,472/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,127 · Scale 2, in force from 26 Feb 2026)