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$62,982
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,941
−HK$1,991/mo
Today · 4.125%
HK$66,932
baseline
▲ 0.50% · 4.625%
HK$71,005
+HK$4,073/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,864/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,067
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,946
−HK$1,907/mo
Today · 4.125%
HK$73,853
baseline
▲ 0.50% · 4.625%
HK$77,746
+HK$3,893/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,706/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,579
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,930
−HK$2,388/mo
Today · 4.125%
HK$80,318
baseline
▲ 0.50% · 4.625%
HK$85,205
+HK$4,887/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,636/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,081
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,336
−HK$2,287/mo
Today · 4.125%
HK$88,623
baseline
▲ 0.50% · 4.625%
HK$93,295
+HK$4,672/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,246/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,175
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,918
−HK$2,787/mo
Today · 4.125%
HK$93,705
baseline
▲ 0.50% · 4.625%
HK$99,406
+HK$5,701/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$187,410/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,094
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,725
−HK$2,669/mo
Today · 4.125%
HK$103,394
baseline
▲ 0.50% · 4.625%
HK$108,844
+HK$5,450/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$206,788/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,368
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$116,895
−HK$3,582/mo
Today · 4.125%
HK$120,477
baseline
▲ 0.50% · 4.625%
HK$127,808
+HK$7,331/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,954/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,121
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,504
−HK$3,431/mo
Today · 4.125%
HK$132,935
baseline
▲ 0.50% · 4.625%
HK$139,942
+HK$7,007/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,870/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,882 · Scale 2, in force from 26 Feb 2026)