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$62,638
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,586
−HK$1,980/mo
Today · 4.125%
HK$66,566
baseline
▲ 0.50% · 4.625%
HK$70,616
+HK$4,050/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$133,132/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,167,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,684
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,553
−HK$1,896/mo
Today · 4.125%
HK$73,449
baseline
▲ 0.50% · 4.625%
HK$77,320
+HK$3,871/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$146,898/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,167,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,165
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$77,503
−HK$2,376/mo
Today · 4.125%
HK$79,879
baseline
▲ 0.50% · 4.625%
HK$84,739
+HK$4,860/mo
Deposit HK$10.99M · loan HK$16.48M · min. income ≈ HK$159,758/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,620
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$85,863
−HK$2,275/mo
Today · 4.125%
HK$88,138
baseline
▲ 0.50% · 4.625%
HK$92,784
+HK$4,646/mo
Deposit HK$10.99M · loan HK$16.48M · min. income ≈ HK$176,276/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,693
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$90,420
−HK$2,772/mo
Today · 4.125%
HK$93,192
baseline
▲ 0.50% · 4.625%
HK$98,862
+HK$5,670/mo
Deposit HK$8.24M · loan HK$19.23M · min. income ≈ HK$186,384/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,557
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,174
−HK$2,654/mo
Today · 4.125%
HK$102,828
baseline
▲ 0.50% · 4.625%
HK$108,248
+HK$5,420/mo
Deposit HK$8.24M · loan HK$19.23M · min. income ≈ HK$205,656/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,748
−HK$7,070/mo
▼ 0.25% · 3.875%
HK$116,255
−HK$3,563/mo
Today · 4.125%
HK$119,818
baseline
▲ 0.50% · 4.625%
HK$127,109
+HK$7,291/mo
Deposit HK$2.75M · loan HK$24.72M · min. income ≈ HK$239,636/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,167,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,431
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$128,795
−HK$3,412/mo
Today · 4.125%
HK$132,207
baseline
▲ 0.50% · 4.625%
HK$139,176
+HK$6,969/mo
Deposit HK$2.75M · loan HK$24.72M · min. income ≈ HK$264,414/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,167,456 · Scale 2, in force from 26 Feb 2026)