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$62,632
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,580
−HK$1,979/mo
Today · 4.125%
HK$66,559
baseline
▲ 0.50% · 4.625%
HK$70,609
+HK$4,050/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$133,118/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,167,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,677
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,546
−HK$1,896/mo
Today · 4.125%
HK$73,442
baseline
▲ 0.50% · 4.625%
HK$77,313
+HK$3,871/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$146,884/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,167,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,158
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,496
−HK$2,375/mo
Today · 4.125%
HK$79,871
baseline
▲ 0.50% · 4.625%
HK$84,731
+HK$4,860/mo
Deposit HK$10.99M · loan HK$16.48M · min. income ≈ HK$159,742/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,167,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,613
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,855
−HK$2,275/mo
Today · 4.125%
HK$88,130
baseline
▲ 0.50% · 4.625%
HK$92,775
+HK$4,645/mo
Deposit HK$10.99M · loan HK$16.48M · min. income ≈ HK$176,260/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,167,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,684
−HK$5,499/mo
▼ 0.25% · 3.875%
HK$90,412
−HK$2,771/mo
Today · 4.125%
HK$93,183
baseline
▲ 0.50% · 4.625%
HK$98,853
+HK$5,670/mo
Deposit HK$8.24M · loan HK$19.23M · min. income ≈ HK$186,366/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,548
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,164
−HK$2,654/mo
Today · 4.125%
HK$102,818
baseline
▲ 0.50% · 4.625%
HK$108,238
+HK$5,420/mo
Deposit HK$8.24M · loan HK$19.23M · min. income ≈ HK$205,636/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,737
−HK$7,070/mo
▼ 0.25% · 3.875%
HK$116,244
−HK$3,563/mo
Today · 4.125%
HK$119,807
baseline
▲ 0.50% · 4.625%
HK$127,097
+HK$7,290/mo
Deposit HK$2.75M · loan HK$24.72M · min. income ≈ HK$239,614/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,167,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,419
−HK$6,776/mo
▼ 0.25% · 3.875%
HK$128,782
−HK$3,413/mo
Today · 4.125%
HK$132,195
baseline
▲ 0.50% · 4.625%
HK$139,163
+HK$6,968/mo
Deposit HK$2.75M · loan HK$24.72M · min. income ≈ HK$264,390/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,167,346 · Scale 2, in force from 26 Feb 2026)