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$62,608
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$64,555
−HK$1,979/mo
Today · 4.125%
HK$66,534
baseline
▲ 0.50% · 4.625%
HK$70,582
+HK$4,048/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$133,068/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,166,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,651
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,519
−HK$1,895/mo
Today · 4.125%
HK$73,414
baseline
▲ 0.50% · 4.625%
HK$77,283
+HK$3,869/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$146,828/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,166,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,130
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,466
−HK$2,375/mo
Today · 4.125%
HK$79,841
baseline
▲ 0.50% · 4.625%
HK$84,699
+HK$4,858/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,682/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,581
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,822
−HK$2,274/mo
Today · 4.125%
HK$88,096
baseline
▲ 0.50% · 4.625%
HK$92,740
+HK$4,644/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,192/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,651
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,378
−HK$2,770/mo
Today · 4.125%
HK$93,148
baseline
▲ 0.50% · 4.625%
HK$98,815
+HK$5,667/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$186,296/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,511
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$100,126
−HK$2,653/mo
Today · 4.125%
HK$102,779
baseline
▲ 0.50% · 4.625%
HK$108,197
+HK$5,418/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$205,558/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,694
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$116,200
−HK$3,561/mo
Today · 4.125%
HK$119,761
baseline
▲ 0.50% · 4.625%
HK$127,048
+HK$7,287/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$239,522/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,371
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$128,734
−HK$3,411/mo
Today · 4.125%
HK$132,145
baseline
▲ 0.50% · 4.625%
HK$139,110
+HK$6,965/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$264,290/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,903 · Scale 2, in force from 26 Feb 2026)