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$62,905
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,861
−HK$1,988/mo
Today · 4.125%
HK$66,849
baseline
▲ 0.50% · 4.625%
HK$70,917
+HK$4,068/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,698/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,981
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,858
−HK$1,904/mo
Today · 4.125%
HK$73,762
baseline
▲ 0.50% · 4.625%
HK$77,650
+HK$3,888/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,524/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,486
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,834
−HK$2,385/mo
Today · 4.125%
HK$80,219
baseline
▲ 0.50% · 4.625%
HK$85,100
+HK$4,881/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$160,438/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,977
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,229
−HK$2,285/mo
Today · 4.125%
HK$88,514
baseline
▲ 0.50% · 4.625%
HK$93,180
+HK$4,666/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$177,028/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,067
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,806
−HK$2,783/mo
Today · 4.125%
HK$93,589
baseline
▲ 0.50% · 4.625%
HK$99,284
+HK$5,695/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$187,178/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,973
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,601
−HK$2,665/mo
Today · 4.125%
HK$103,266
baseline
▲ 0.50% · 4.625%
HK$108,710
+HK$5,444/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$206,532/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,228
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$116,751
−HK$3,578/mo
Today · 4.125%
HK$120,329
baseline
▲ 0.50% · 4.625%
HK$127,651
+HK$7,322/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$240,658/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,966
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$129,344
−HK$3,427/mo
Today · 4.125%
HK$132,771
baseline
▲ 0.50% · 4.625%
HK$139,770
+HK$6,999/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$265,542/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,434 · Scale 2, in force from 26 Feb 2026)