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$62,855
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$64,810
−HK$1,986/mo
Today · 4.125%
HK$66,796
baseline
▲ 0.50% · 4.625%
HK$70,861
+HK$4,065/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,592/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,925
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$71,800
−HK$1,903/mo
Today · 4.125%
HK$73,703
baseline
▲ 0.50% · 4.625%
HK$77,588
+HK$3,885/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,406/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,426
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,772
−HK$2,383/mo
Today · 4.125%
HK$80,155
baseline
▲ 0.50% · 4.625%
HK$85,033
+HK$4,878/mo
Deposit HK$11.03M · loan HK$16.54M · min. income ≈ HK$160,310/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,910
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$86,161
−HK$2,283/mo
Today · 4.125%
HK$88,444
baseline
▲ 0.50% · 4.625%
HK$93,106
+HK$4,662/mo
Deposit HK$11.03M · loan HK$16.54M · min. income ≈ HK$176,888/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,996
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,734
−HK$2,781/mo
Today · 4.125%
HK$93,515
baseline
▲ 0.50% · 4.625%
HK$99,205
+HK$5,690/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$187,030/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,895
−HK$5,289/mo
▼ 0.25% · 3.875%
HK$100,521
−HK$2,663/mo
Today · 4.125%
HK$103,184
baseline
▲ 0.50% · 4.625%
HK$108,623
+HK$5,439/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$206,368/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,138
−HK$7,095/mo
▼ 0.25% · 3.875%
HK$116,658
−HK$3,575/mo
Today · 4.125%
HK$120,233
baseline
▲ 0.50% · 4.625%
HK$127,549
+HK$7,316/mo
Deposit HK$2.76M · loan HK$24.81M · min. income ≈ HK$240,466/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,865
−HK$6,800/mo
▼ 0.25% · 3.875%
HK$129,241
−HK$3,424/mo
Today · 4.125%
HK$132,665
baseline
▲ 0.50% · 4.625%
HK$139,658
+HK$6,993/mo
Deposit HK$2.76M · loan HK$24.81M · min. income ≈ HK$265,330/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,501 · Scale 2, in force from 26 Feb 2026)