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$62,984
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,943
−HK$1,991/mo
Today · 4.125%
HK$66,934
baseline
▲ 0.50% · 4.625%
HK$71,007
+HK$4,073/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,868/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,069
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,948
−HK$1,907/mo
Today · 4.125%
HK$73,855
baseline
▲ 0.50% · 4.625%
HK$77,748
+HK$3,893/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,710/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,581
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,932
−HK$2,389/mo
Today · 4.125%
HK$80,321
baseline
▲ 0.50% · 4.625%
HK$85,208
+HK$4,887/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,642/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,083
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,338
−HK$2,288/mo
Today · 4.125%
HK$88,626
baseline
▲ 0.50% · 4.625%
HK$93,297
+HK$4,671/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,252/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,178
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,921
−HK$2,786/mo
Today · 4.125%
HK$93,707
baseline
▲ 0.50% · 4.625%
HK$99,409
+HK$5,702/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$187,414/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,097
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,728
−HK$2,669/mo
Today · 4.125%
HK$103,397
baseline
▲ 0.50% · 4.625%
HK$108,847
+HK$5,450/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$206,794/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,371
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$116,898
−HK$3,583/mo
Today · 4.125%
HK$120,481
baseline
▲ 0.50% · 4.625%
HK$127,812
+HK$7,331/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,962/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,125
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,507
−HK$3,432/mo
Today · 4.125%
HK$132,939
baseline
▲ 0.50% · 4.625%
HK$139,946
+HK$7,007/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,878/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,914 · Scale 2, in force from 26 Feb 2026)