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$62,763
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,715
−HK$1,983/mo
Today · 4.125%
HK$66,698
baseline
▲ 0.50% · 4.625%
HK$70,757
+HK$4,059/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$133,396/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,823
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,695
−HK$1,900/mo
Today · 4.125%
HK$73,595
baseline
▲ 0.50% · 4.625%
HK$77,474
+HK$3,879/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$147,190/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,315
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,658
−HK$2,380/mo
Today · 4.125%
HK$80,038
baseline
▲ 0.50% · 4.625%
HK$84,908
+HK$4,870/mo
Deposit HK$11.01M · loan HK$16.51M · min. income ≈ HK$160,076/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,169,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,787
−HK$4,527/mo
▼ 0.25% · 3.875%
HK$86,035
−HK$2,279/mo
Today · 4.125%
HK$88,314
baseline
▲ 0.50% · 4.625%
HK$92,969
+HK$4,655/mo
Deposit HK$11.01M · loan HK$16.51M · min. income ≈ HK$176,628/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,169,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,868
−HK$5,510/mo
▼ 0.25% · 3.875%
HK$90,601
−HK$2,777/mo
Today · 4.125%
HK$93,378
baseline
▲ 0.50% · 4.625%
HK$99,060
+HK$5,682/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$186,756/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,169,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,752
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$100,374
−HK$2,659/mo
Today · 4.125%
HK$103,033
baseline
▲ 0.50% · 4.625%
HK$108,464
+HK$5,431/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$206,066/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,169,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,973
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$116,487
−HK$3,570/mo
Today · 4.125%
HK$120,057
baseline
▲ 0.50% · 4.625%
HK$127,362
+HK$7,305/mo
Deposit HK$2.75M · loan HK$24.77M · min. income ≈ HK$240,114/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,681
−HK$6,790/mo
▼ 0.25% · 3.875%
HK$129,052
−HK$3,419/mo
Today · 4.125%
HK$132,471
baseline
▲ 0.50% · 4.625%
HK$139,454
+HK$6,983/mo
Deposit HK$2.75M · loan HK$24.77M · min. income ≈ HK$264,942/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,788 · Scale 2, in force from 26 Feb 2026)