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$62,783
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,736
−HK$1,984/mo
Today · 4.125%
HK$66,720
baseline
▲ 0.50% · 4.625%
HK$70,780
+HK$4,060/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,440/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,846
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,719
−HK$1,900/mo
Today · 4.125%
HK$73,619
baseline
▲ 0.50% · 4.625%
HK$77,500
+HK$3,881/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,238/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,340
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,683
−HK$2,381/mo
Today · 4.125%
HK$80,064
baseline
▲ 0.50% · 4.625%
HK$84,936
+HK$4,872/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$160,128/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,815
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,063
−HK$2,280/mo
Today · 4.125%
HK$88,343
baseline
▲ 0.50% · 4.625%
HK$93,000
+HK$4,657/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$176,686/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,896
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,631
−HK$2,777/mo
Today · 4.125%
HK$93,408
baseline
▲ 0.50% · 4.625%
HK$99,092
+HK$5,684/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$186,816/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,784
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,406
−HK$2,661/mo
Today · 4.125%
HK$103,067
baseline
▲ 0.50% · 4.625%
HK$108,500
+HK$5,433/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$206,134/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,010
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$116,525
−HK$3,571/mo
Today · 4.125%
HK$120,096
baseline
▲ 0.50% · 4.625%
HK$127,404
+HK$7,308/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$240,192/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,722
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$129,094
−HK$3,421/mo
Today · 4.125%
HK$132,515
baseline
▲ 0.50% · 4.625%
HK$139,500
+HK$6,985/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$265,030/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,170 · Scale 2, in force from 26 Feb 2026)