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$62,812
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,766
−HK$1,985/mo
Today · 4.125%
HK$66,751
baseline
▲ 0.50% · 4.625%
HK$70,812
+HK$4,061/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,502/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,878
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,752
−HK$1,901/mo
Today · 4.125%
HK$73,653
baseline
▲ 0.50% · 4.625%
HK$77,535
+HK$3,882/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,306/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,374
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,719
−HK$2,382/mo
Today · 4.125%
HK$80,101
baseline
▲ 0.50% · 4.625%
HK$84,975
+HK$4,874/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,202/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,853
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,102
−HK$2,281/mo
Today · 4.125%
HK$88,383
baseline
▲ 0.50% · 4.625%
HK$93,042
+HK$4,659/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,766/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,937
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$90,672
−HK$2,779/mo
Today · 4.125%
HK$93,451
baseline
▲ 0.50% · 4.625%
HK$99,137
+HK$5,686/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$186,902/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,829
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$100,452
−HK$2,662/mo
Today · 4.125%
HK$103,114
baseline
▲ 0.50% · 4.625%
HK$108,549
+HK$5,435/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$206,228/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,061
−HK$7,090/mo
▼ 0.25% · 3.875%
HK$116,578
−HK$3,573/mo
Today · 4.125%
HK$120,151
baseline
▲ 0.50% · 4.625%
HK$127,462
+HK$7,311/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$240,302/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,780
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$129,153
−HK$3,422/mo
Today · 4.125%
HK$132,575
baseline
▲ 0.50% · 4.625%
HK$139,563
+HK$6,988/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$265,150/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,703 · Scale 2, in force from 26 Feb 2026)