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$62,993
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,952
−HK$1,991/mo
Today · 4.125%
HK$66,943
baseline
▲ 0.50% · 4.625%
HK$71,016
+HK$4,073/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,886/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,079
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,958
−HK$1,907/mo
Today · 4.125%
HK$73,865
baseline
▲ 0.50% · 4.625%
HK$77,758
+HK$3,893/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,730/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,591
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,942
−HK$2,389/mo
Today · 4.125%
HK$80,331
baseline
▲ 0.50% · 4.625%
HK$85,219
+HK$4,888/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$160,662/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,174,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,094
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,350
−HK$2,288/mo
Today · 4.125%
HK$88,638
baseline
▲ 0.50% · 4.625%
HK$93,310
+HK$4,672/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$177,276/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,174,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,190
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,933
−HK$2,787/mo
Today · 4.125%
HK$93,720
baseline
▲ 0.50% · 4.625%
HK$99,423
+HK$5,703/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$187,440/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,110
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,741
−HK$2,670/mo
Today · 4.125%
HK$103,411
baseline
▲ 0.50% · 4.625%
HK$108,862
+HK$5,451/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$206,822/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,387
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$116,914
−HK$3,583/mo
Today · 4.125%
HK$120,497
baseline
▲ 0.50% · 4.625%
HK$127,829
+HK$7,332/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,994/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,142
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$129,525
−HK$3,432/mo
Today · 4.125%
HK$132,957
baseline
▲ 0.50% · 4.625%
HK$139,965
+HK$7,008/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,914/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,073 · Scale 2, in force from 26 Feb 2026)