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$62,784
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,737
−HK$1,984/mo
Today · 4.125%
HK$66,721
baseline
▲ 0.50% · 4.625%
HK$70,781
+HK$4,060/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,442/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,847
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,720
−HK$1,900/mo
Today · 4.125%
HK$73,620
baseline
▲ 0.50% · 4.625%
HK$77,501
+HK$3,881/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,240/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,341
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,684
−HK$2,381/mo
Today · 4.125%
HK$80,065
baseline
▲ 0.50% · 4.625%
HK$84,937
+HK$4,872/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$160,130/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,816
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,064
−HK$2,280/mo
Today · 4.125%
HK$88,344
baseline
▲ 0.50% · 4.625%
HK$93,001
+HK$4,657/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$176,688/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,898
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,632
−HK$2,777/mo
Today · 4.125%
HK$93,409
baseline
▲ 0.50% · 4.625%
HK$99,093
+HK$5,684/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$186,818/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,785
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,408
−HK$2,660/mo
Today · 4.125%
HK$103,068
baseline
▲ 0.50% · 4.625%
HK$108,501
+HK$5,433/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$206,136/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,011
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$116,526
−HK$3,572/mo
Today · 4.125%
HK$120,098
baseline
▲ 0.50% · 4.625%
HK$127,406
+HK$7,308/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$240,196/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,724
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$129,096
−HK$3,420/mo
Today · 4.125%
HK$132,516
baseline
▲ 0.50% · 4.625%
HK$139,501
+HK$6,985/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$265,032/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,184 · Scale 2, in force from 26 Feb 2026)