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$62,601
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,548
−HK$1,978/mo
Today · 4.125%
HK$66,526
baseline
▲ 0.50% · 4.625%
HK$70,574
+HK$4,048/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$133,052/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,643
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,511
−HK$1,894/mo
Today · 4.125%
HK$73,405
baseline
▲ 0.50% · 4.625%
HK$77,275
+HK$3,870/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$146,810/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,121
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,458
−HK$2,374/mo
Today · 4.125%
HK$79,832
baseline
▲ 0.50% · 4.625%
HK$84,689
+HK$4,857/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,664/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,571
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,813
−HK$2,273/mo
Today · 4.125%
HK$88,086
baseline
▲ 0.50% · 4.625%
HK$92,730
+HK$4,644/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,172/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,641
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,367
−HK$2,770/mo
Today · 4.125%
HK$93,137
baseline
▲ 0.50% · 4.625%
HK$98,804
+HK$5,667/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$186,274/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,500
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$100,115
−HK$2,653/mo
Today · 4.125%
HK$102,768
baseline
▲ 0.50% · 4.625%
HK$108,185
+HK$5,417/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$205,536/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,682
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$116,187
−HK$3,561/mo
Today · 4.125%
HK$119,748
baseline
▲ 0.50% · 4.625%
HK$127,034
+HK$7,286/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$239,496/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,357
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$128,719
−HK$3,411/mo
Today · 4.125%
HK$132,130
baseline
▲ 0.50% · 4.625%
HK$139,094
+HK$6,964/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$264,260/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,771 · Scale 2, in force from 26 Feb 2026)