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$62,886
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,842
−HK$1,987/mo
Today · 4.125%
HK$66,829
baseline
▲ 0.50% · 4.625%
HK$70,896
+HK$4,067/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,658/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,960
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,836
−HK$1,903/mo
Today · 4.125%
HK$73,739
baseline
▲ 0.50% · 4.625%
HK$77,626
+HK$3,887/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,478/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,463
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,810
−HK$2,385/mo
Today · 4.125%
HK$80,195
baseline
▲ 0.50% · 4.625%
HK$85,075
+HK$4,880/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$160,390/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,172,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,952
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,203
−HK$2,284/mo
Today · 4.125%
HK$88,487
baseline
▲ 0.50% · 4.625%
HK$93,152
+HK$4,665/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$176,974/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,172,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,040
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$90,779
−HK$2,782/mo
Today · 4.125%
HK$93,561
baseline
▲ 0.50% · 4.625%
HK$99,254
+HK$5,693/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$187,122/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,944
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$100,570
−HK$2,665/mo
Today · 4.125%
HK$103,235
baseline
▲ 0.50% · 4.625%
HK$108,677
+HK$5,442/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$206,470/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,194
−HK$7,099/mo
▼ 0.25% · 3.875%
HK$116,715
−HK$3,578/mo
Today · 4.125%
HK$120,293
baseline
▲ 0.50% · 4.625%
HK$127,612
+HK$7,319/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$240,586/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,928
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$129,305
−HK$3,426/mo
Today · 4.125%
HK$132,731
baseline
▲ 0.50% · 4.625%
HK$139,727
+HK$6,996/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$265,462/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,081 · Scale 2, in force from 26 Feb 2026)