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$62,983
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,942
−HK$1,991/mo
Today · 4.125%
HK$66,933
baseline
▲ 0.50% · 4.625%
HK$71,005
+HK$4,072/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,866/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,068
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,947
−HK$1,907/mo
Today · 4.125%
HK$73,854
baseline
▲ 0.50% · 4.625%
HK$77,746
+HK$3,892/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,708/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,580
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,931
−HK$2,388/mo
Today · 4.125%
HK$80,319
baseline
▲ 0.50% · 4.625%
HK$85,206
+HK$4,887/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,638/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,082
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,337
−HK$2,287/mo
Today · 4.125%
HK$88,624
baseline
▲ 0.50% · 4.625%
HK$93,296
+HK$4,672/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,248/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,176
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,919
−HK$2,787/mo
Today · 4.125%
HK$93,706
baseline
▲ 0.50% · 4.625%
HK$99,407
+HK$5,701/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$187,412/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,095
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,726
−HK$2,669/mo
Today · 4.125%
HK$103,395
baseline
▲ 0.50% · 4.625%
HK$108,845
+HK$5,450/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$206,790/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,369
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$116,896
−HK$3,583/mo
Today · 4.125%
HK$120,479
baseline
▲ 0.50% · 4.625%
HK$127,810
+HK$7,331/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,958/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,122
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,505
−HK$3,431/mo
Today · 4.125%
HK$132,936
baseline
▲ 0.50% · 4.625%
HK$139,944
+HK$7,008/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,872/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,894 · Scale 2, in force from 26 Feb 2026)