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$62,920
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,877
−HK$1,988/mo
Today · 4.125%
HK$66,865
baseline
▲ 0.50% · 4.625%
HK$70,934
+HK$4,069/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,730/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,998
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,875
−HK$1,904/mo
Today · 4.125%
HK$73,779
baseline
▲ 0.50% · 4.625%
HK$77,668
+HK$3,889/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,558/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,504
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,852
−HK$2,386/mo
Today · 4.125%
HK$80,238
baseline
▲ 0.50% · 4.625%
HK$85,121
+HK$4,883/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,476/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,997
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,250
−HK$2,285/mo
Today · 4.125%
HK$88,535
baseline
▲ 0.50% · 4.625%
HK$93,202
+HK$4,667/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,070/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,088
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,828
−HK$2,783/mo
Today · 4.125%
HK$93,611
baseline
▲ 0.50% · 4.625%
HK$99,308
+HK$5,697/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,222/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,997
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,625
−HK$2,666/mo
Today · 4.125%
HK$103,291
baseline
▲ 0.50% · 4.625%
HK$108,736
+HK$5,445/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,582/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,256
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$116,778
−HK$3,580/mo
Today · 4.125%
HK$120,358
baseline
▲ 0.50% · 4.625%
HK$127,681
+HK$7,323/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$240,716/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,996
−HK$6,807/mo
▼ 0.25% · 3.875%
HK$129,375
−HK$3,428/mo
Today · 4.125%
HK$132,803
baseline
▲ 0.50% · 4.625%
HK$139,803
+HK$7,000/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$265,606/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,715 · Scale 2, in force from 26 Feb 2026)