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$62,840
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,794
−HK$1,986/mo
Today · 4.125%
HK$66,780
baseline
▲ 0.50% · 4.625%
HK$70,844
+HK$4,064/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,560/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,909
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,783
−HK$1,903/mo
Today · 4.125%
HK$73,686
baseline
▲ 0.50% · 4.625%
HK$77,570
+HK$3,884/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,372/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,408
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,753
−HK$2,383/mo
Today · 4.125%
HK$80,136
baseline
▲ 0.50% · 4.625%
HK$85,013
+HK$4,877/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,272/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,171,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,890
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,140
−HK$2,283/mo
Today · 4.125%
HK$88,423
baseline
▲ 0.50% · 4.625%
HK$93,083
+HK$4,660/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,846/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,171,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,976
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$90,712
−HK$2,780/mo
Today · 4.125%
HK$93,492
baseline
▲ 0.50% · 4.625%
HK$99,181
+HK$5,689/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$186,984/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,872
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$100,497
−HK$2,663/mo
Today · 4.125%
HK$103,160
baseline
▲ 0.50% · 4.625%
HK$108,597
+HK$5,437/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$206,320/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,112
−HK$7,093/mo
▼ 0.25% · 3.875%
HK$116,630
−HK$3,575/mo
Today · 4.125%
HK$120,205
baseline
▲ 0.50% · 4.625%
HK$127,519
+HK$7,314/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$240,410/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,835
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$129,210
−HK$3,424/mo
Today · 4.125%
HK$132,634
baseline
▲ 0.50% · 4.625%
HK$139,625
+HK$6,991/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$265,268/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,223 · Scale 2, in force from 26 Feb 2026)