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$62,958
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,917
−HK$1,989/mo
Today · 4.125%
HK$66,906
baseline
▲ 0.50% · 4.625%
HK$70,977
+HK$4,071/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,812/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,040
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,919
−HK$1,905/mo
Today · 4.125%
HK$73,824
baseline
▲ 0.50% · 4.625%
HK$77,716
+HK$3,892/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,648/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,550
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,900
−HK$2,387/mo
Today · 4.125%
HK$80,287
baseline
▲ 0.50% · 4.625%
HK$85,173
+HK$4,886/mo
Deposit HK$11.04M · loan HK$16.57M · min. income ≈ HK$160,574/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,048
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,303
−HK$2,286/mo
Today · 4.125%
HK$88,589
baseline
▲ 0.50% · 4.625%
HK$93,259
+HK$4,670/mo
Deposit HK$11.04M · loan HK$16.57M · min. income ≈ HK$177,178/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,141
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,883
−HK$2,786/mo
Today · 4.125%
HK$93,669
baseline
▲ 0.50% · 4.625%
HK$99,368
+HK$5,699/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$187,338/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,056
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$100,686
−HK$2,668/mo
Today · 4.125%
HK$103,354
baseline
▲ 0.50% · 4.625%
HK$108,802
+HK$5,448/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$206,708/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,325
−HK$7,106/mo
▼ 0.25% · 3.875%
HK$116,850
−HK$3,581/mo
Today · 4.125%
HK$120,431
baseline
▲ 0.50% · 4.625%
HK$127,759
+HK$7,328/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$240,862/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,073
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$129,454
−HK$3,430/mo
Today · 4.125%
HK$132,884
baseline
▲ 0.50% · 4.625%
HK$139,888
+HK$7,004/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$265,768/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,431 · Scale 2, in force from 26 Feb 2026)