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$3,949/mo
▼ 0.25% · 3.875%
HK$64,941
−HK$1,990/mo
Today · 4.125%
HK$66,931
baseline
▲ 0.50% · 4.625%
HK$71,004
+HK$4,073/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,862/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,067
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,946
−HK$1,906/mo
Today · 4.125%
HK$73,852
baseline
▲ 0.50% · 4.625%
HK$77,745
+HK$3,893/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,704/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,578
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,929
−HK$2,388/mo
Today · 4.125%
HK$80,317
baseline
▲ 0.50% · 4.625%
HK$85,205
+HK$4,888/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,634/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,080
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,335
−HK$2,287/mo
Today · 4.125%
HK$88,622
baseline
▲ 0.50% · 4.625%
HK$93,294
+HK$4,672/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,244/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,174
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,917
−HK$2,787/mo
Today · 4.125%
HK$93,704
baseline
▲ 0.50% · 4.625%
HK$99,405
+HK$5,701/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$187,408/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,093
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,724
−HK$2,669/mo
Today · 4.125%
HK$103,393
baseline
▲ 0.50% · 4.625%
HK$108,843
+HK$5,450/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$206,786/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,367
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$116,893
−HK$3,583/mo
Today · 4.125%
HK$120,476
baseline
▲ 0.50% · 4.625%
HK$127,807
+HK$7,331/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,952/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,120
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,502
−HK$3,432/mo
Today · 4.125%
HK$132,934
baseline
▲ 0.50% · 4.625%
HK$139,941
+HK$7,007/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,868/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,870 · Scale 2, in force from 26 Feb 2026)