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$62,920
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,878
−HK$1,988/mo
Today · 4.125%
HK$66,866
baseline
▲ 0.50% · 4.625%
HK$70,935
+HK$4,069/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,732/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,998
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,876
−HK$1,904/mo
Today · 4.125%
HK$73,780
baseline
▲ 0.50% · 4.625%
HK$77,669
+HK$3,889/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,560/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,504
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,853
−HK$2,386/mo
Today · 4.125%
HK$80,239
baseline
▲ 0.50% · 4.625%
HK$85,122
+HK$4,883/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,478/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,998
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,251
−HK$2,285/mo
Today · 4.125%
HK$88,536
baseline
▲ 0.50% · 4.625%
HK$93,203
+HK$4,667/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,072/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,089
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,829
−HK$2,784/mo
Today · 4.125%
HK$93,613
baseline
▲ 0.50% · 4.625%
HK$99,309
+HK$5,696/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,226/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,998
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,626
−HK$2,666/mo
Today · 4.125%
HK$103,292
baseline
▲ 0.50% · 4.625%
HK$108,737
+HK$5,445/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,584/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,257
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$116,780
−HK$3,579/mo
Today · 4.125%
HK$120,359
baseline
▲ 0.50% · 4.625%
HK$127,682
+HK$7,323/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$240,718/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,997
−HK$6,807/mo
▼ 0.25% · 3.875%
HK$129,376
−HK$3,428/mo
Today · 4.125%
HK$132,804
baseline
▲ 0.50% · 4.625%
HK$139,805
+HK$7,001/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$265,608/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,727 · Scale 2, in force from 26 Feb 2026)