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$62,821
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,775
−HK$1,986/mo
Today · 4.125%
HK$66,761
baseline
▲ 0.50% · 4.625%
HK$70,823
+HK$4,062/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,522/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,170,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,888
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,762
−HK$1,902/mo
Today · 4.125%
HK$73,664
baseline
▲ 0.50% · 4.625%
HK$77,547
+HK$3,883/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,328/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,170,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,386
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,730
−HK$2,383/mo
Today · 4.125%
HK$80,113
baseline
▲ 0.50% · 4.625%
HK$84,988
+HK$4,875/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,226/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,866
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,115
−HK$2,282/mo
Today · 4.125%
HK$88,397
baseline
▲ 0.50% · 4.625%
HK$93,056
+HK$4,659/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,794/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,950
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,686
−HK$2,779/mo
Today · 4.125%
HK$93,465
baseline
▲ 0.50% · 4.625%
HK$99,152
+HK$5,687/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$186,930/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,843
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,467
−HK$2,662/mo
Today · 4.125%
HK$103,129
baseline
▲ 0.50% · 4.625%
HK$108,566
+HK$5,437/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$206,258/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,170,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,078
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$116,596
−HK$3,573/mo
Today · 4.125%
HK$120,169
baseline
▲ 0.50% · 4.625%
HK$127,481
+HK$7,312/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$240,338/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,799
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$129,172
−HK$3,423/mo
Today · 4.125%
HK$132,595
baseline
▲ 0.50% · 4.625%
HK$139,584
+HK$6,989/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$265,190/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,880 · Scale 2, in force from 26 Feb 2026)