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$62,776
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,729
−HK$1,984/mo
Today · 4.125%
HK$66,713
baseline
▲ 0.50% · 4.625%
HK$70,772
+HK$4,059/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,426/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,838
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,711
−HK$1,900/mo
Today · 4.125%
HK$73,611
baseline
▲ 0.50% · 4.625%
HK$77,491
+HK$3,880/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,222/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,331
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,674
−HK$2,381/mo
Today · 4.125%
HK$80,055
baseline
▲ 0.50% · 4.625%
HK$84,926
+HK$4,871/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$160,110/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,805
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,053
−HK$2,280/mo
Today · 4.125%
HK$88,333
baseline
▲ 0.50% · 4.625%
HK$92,989
+HK$4,656/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$176,666/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,886
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,620
−HK$2,778/mo
Today · 4.125%
HK$93,398
baseline
▲ 0.50% · 4.625%
HK$99,081
+HK$5,683/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$186,796/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,773
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,395
−HK$2,660/mo
Today · 4.125%
HK$103,055
baseline
▲ 0.50% · 4.625%
HK$108,487
+HK$5,432/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$206,110/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,997
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$116,512
−HK$3,571/mo
Today · 4.125%
HK$120,083
baseline
▲ 0.50% · 4.625%
HK$127,389
+HK$7,306/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$240,166/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,708
−HK$6,791/mo
▼ 0.25% · 3.875%
HK$129,079
−HK$3,420/mo
Today · 4.125%
HK$132,499
baseline
▲ 0.50% · 4.625%
HK$139,484
+HK$6,985/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$264,998/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,035 · Scale 2, in force from 26 Feb 2026)