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$62,780
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,733
−HK$1,984/mo
Today · 4.125%
HK$66,717
baseline
▲ 0.50% · 4.625%
HK$70,777
+HK$4,060/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,434/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,842
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,716
−HK$1,900/mo
Today · 4.125%
HK$73,616
baseline
▲ 0.50% · 4.625%
HK$77,496
+HK$3,880/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,232/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,336
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,680
−HK$2,381/mo
Today · 4.125%
HK$80,061
baseline
▲ 0.50% · 4.625%
HK$84,932
+HK$4,871/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$160,122/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,811
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,059
−HK$2,280/mo
Today · 4.125%
HK$88,339
baseline
▲ 0.50% · 4.625%
HK$92,996
+HK$4,657/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$176,678/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,892
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,626
−HK$2,778/mo
Today · 4.125%
HK$93,404
baseline
▲ 0.50% · 4.625%
HK$99,088
+HK$5,684/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$186,808/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,779
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,402
−HK$2,660/mo
Today · 4.125%
HK$103,062
baseline
▲ 0.50% · 4.625%
HK$108,495
+HK$5,433/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$206,124/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,005
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$116,520
−HK$3,571/mo
Today · 4.125%
HK$120,091
baseline
▲ 0.50% · 4.625%
HK$127,398
+HK$7,307/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$240,182/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,716
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$129,088
−HK$3,421/mo
Today · 4.125%
HK$132,509
baseline
▲ 0.50% · 4.625%
HK$139,493
+HK$6,984/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$265,018/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,116 · Scale 2, in force from 26 Feb 2026)