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$62,608
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$64,556
−HK$1,978/mo
Today · 4.125%
HK$66,534
baseline
▲ 0.50% · 4.625%
HK$70,583
+HK$4,049/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$133,068/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,166,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,651
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,519
−HK$1,895/mo
Today · 4.125%
HK$73,414
baseline
▲ 0.50% · 4.625%
HK$77,284
+HK$3,870/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$146,828/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,166,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,130
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,467
−HK$2,374/mo
Today · 4.125%
HK$79,841
baseline
▲ 0.50% · 4.625%
HK$84,699
+HK$4,858/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,682/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,581
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$85,823
−HK$2,274/mo
Today · 4.125%
HK$88,097
baseline
▲ 0.50% · 4.625%
HK$92,741
+HK$4,644/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,194/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,651
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,378
−HK$2,770/mo
Today · 4.125%
HK$93,148
baseline
▲ 0.50% · 4.625%
HK$98,816
+HK$5,668/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$186,296/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,511
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$100,127
−HK$2,653/mo
Today · 4.125%
HK$102,780
baseline
▲ 0.50% · 4.625%
HK$108,197
+HK$5,417/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$205,560/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,695
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$116,200
−HK$3,562/mo
Today · 4.125%
HK$119,762
baseline
▲ 0.50% · 4.625%
HK$127,049
+HK$7,287/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$239,524/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,372
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$128,734
−HK$3,411/mo
Today · 4.125%
HK$132,145
baseline
▲ 0.50% · 4.625%
HK$139,111
+HK$6,966/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$264,290/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,908 · Scale 2, in force from 26 Feb 2026)