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$62,854
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,809
−HK$1,987/mo
Today · 4.125%
HK$66,796
baseline
▲ 0.50% · 4.625%
HK$70,860
+HK$4,064/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,592/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,925
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,800
−HK$1,902/mo
Today · 4.125%
HK$73,702
baseline
▲ 0.50% · 4.625%
HK$77,587
+HK$3,885/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,404/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,425
−HK$4,730/mo
▼ 0.25% · 3.875%
HK$77,771
−HK$2,384/mo
Today · 4.125%
HK$80,155
baseline
▲ 0.50% · 4.625%
HK$85,032
+HK$4,877/mo
Deposit HK$11.03M · loan HK$16.54M · min. income ≈ HK$160,310/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,910
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,160
−HK$2,283/mo
Today · 4.125%
HK$88,443
baseline
▲ 0.50% · 4.625%
HK$93,105
+HK$4,662/mo
Deposit HK$11.03M · loan HK$16.54M · min. income ≈ HK$176,886/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,996
−HK$5,518/mo
▼ 0.25% · 3.875%
HK$90,733
−HK$2,781/mo
Today · 4.125%
HK$93,514
baseline
▲ 0.50% · 4.625%
HK$99,204
+HK$5,690/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$187,028/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,894
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,520
−HK$2,663/mo
Today · 4.125%
HK$103,183
baseline
▲ 0.50% · 4.625%
HK$108,622
+HK$5,439/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$206,366/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,137
−HK$7,095/mo
▼ 0.25% · 3.875%
HK$116,657
−HK$3,575/mo
Today · 4.125%
HK$120,232
baseline
▲ 0.50% · 4.625%
HK$127,548
+HK$7,316/mo
Deposit HK$2.76M · loan HK$24.81M · min. income ≈ HK$240,464/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,864
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$129,240
−HK$3,424/mo
Today · 4.125%
HK$132,664
baseline
▲ 0.50% · 4.625%
HK$139,657
+HK$6,993/mo
Deposit HK$2.76M · loan HK$24.81M · min. income ≈ HK$265,328/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,492 · Scale 2, in force from 26 Feb 2026)