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$62,661
−HK$3,930/mo
▼ 0.25% · 3.875%
HK$64,611
−HK$1,980/mo
Today · 4.125%
HK$66,591
baseline
▲ 0.50% · 4.625%
HK$70,643
+HK$4,052/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$133,182/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,167,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,710
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,580
−HK$1,896/mo
Today · 4.125%
HK$73,476
baseline
▲ 0.50% · 4.625%
HK$77,349
+HK$3,873/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$146,952/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,167,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,194
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$77,533
−HK$2,376/mo
Today · 4.125%
HK$79,909
baseline
▲ 0.50% · 4.625%
HK$84,771
+HK$4,862/mo
Deposit HK$10.99M · loan HK$16.49M · min. income ≈ HK$159,818/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,652
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,896
−HK$2,276/mo
Today · 4.125%
HK$88,172
baseline
▲ 0.50% · 4.625%
HK$92,819
+HK$4,647/mo
Deposit HK$10.99M · loan HK$16.49M · min. income ≈ HK$176,344/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,726
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,455
−HK$2,772/mo
Today · 4.125%
HK$93,227
baseline
▲ 0.50% · 4.625%
HK$98,900
+HK$5,673/mo
Deposit HK$8.24M · loan HK$19.24M · min. income ≈ HK$186,454/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,594
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,212
−HK$2,655/mo
Today · 4.125%
HK$102,867
baseline
▲ 0.50% · 4.625%
HK$108,289
+HK$5,422/mo
Deposit HK$8.24M · loan HK$19.24M · min. income ≈ HK$205,734/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,791
−HK$7,073/mo
▼ 0.25% · 3.875%
HK$116,299
−HK$3,565/mo
Today · 4.125%
HK$119,864
baseline
▲ 0.50% · 4.625%
HK$127,157
+HK$7,293/mo
Deposit HK$2.75M · loan HK$24.73M · min. income ≈ HK$239,728/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,167,900 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,478
−HK$6,780/mo
▼ 0.25% · 3.875%
HK$128,844
−HK$3,414/mo
Today · 4.125%
HK$132,258
baseline
▲ 0.50% · 4.625%
HK$139,229
+HK$6,971/mo
Deposit HK$2.75M · loan HK$24.73M · min. income ≈ HK$264,516/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,167,900 · Scale 2, in force from 26 Feb 2026)