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$62,658
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$64,607
−HK$1,980/mo
Today · 4.125%
HK$66,587
baseline
▲ 0.50% · 4.625%
HK$70,639
+HK$4,052/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$133,174/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,167,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,706
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,576
−HK$1,896/mo
Today · 4.125%
HK$73,472
baseline
▲ 0.50% · 4.625%
HK$77,345
+HK$3,873/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$146,944/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,167,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,190
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$77,528
−HK$2,377/mo
Today · 4.125%
HK$79,905
baseline
▲ 0.50% · 4.625%
HK$84,767
+HK$4,862/mo
Deposit HK$10.99M · loan HK$16.49M · min. income ≈ HK$159,810/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,648
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$85,891
−HK$2,276/mo
Today · 4.125%
HK$88,167
baseline
▲ 0.50% · 4.625%
HK$92,814
+HK$4,647/mo
Deposit HK$10.99M · loan HK$16.49M · min. income ≈ HK$176,334/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,721
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,450
−HK$2,772/mo
Today · 4.125%
HK$93,222
baseline
▲ 0.50% · 4.625%
HK$98,894
+HK$5,672/mo
Deposit HK$8.24M · loan HK$19.23M · min. income ≈ HK$186,444/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,589
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,206
−HK$2,655/mo
Today · 4.125%
HK$102,861
baseline
▲ 0.50% · 4.625%
HK$108,283
+HK$5,422/mo
Deposit HK$8.24M · loan HK$19.23M · min. income ≈ HK$205,722/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,784
−HK$7,073/mo
▼ 0.25% · 3.875%
HK$116,292
−HK$3,565/mo
Today · 4.125%
HK$119,857
baseline
▲ 0.50% · 4.625%
HK$127,150
+HK$7,293/mo
Deposit HK$2.75M · loan HK$24.73M · min. income ≈ HK$239,714/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,167,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,471
−HK$6,779/mo
▼ 0.25% · 3.875%
HK$128,836
−HK$3,414/mo
Today · 4.125%
HK$132,250
baseline
▲ 0.50% · 4.625%
HK$139,221
+HK$6,971/mo
Deposit HK$2.75M · loan HK$24.73M · min. income ≈ HK$264,500/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,167,835 · Scale 2, in force from 26 Feb 2026)