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$62,840
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$64,795
−HK$1,986/mo
Today · 4.125%
HK$66,781
baseline
▲ 0.50% · 4.625%
HK$70,845
+HK$4,064/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,562/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,909
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,784
−HK$1,902/mo
Today · 4.125%
HK$73,686
baseline
▲ 0.50% · 4.625%
HK$77,570
+HK$3,884/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,372/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,409
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,754
−HK$2,383/mo
Today · 4.125%
HK$80,137
baseline
▲ 0.50% · 4.625%
HK$85,013
+HK$4,876/mo
Deposit HK$11.02M · loan HK$16.54M · min. income ≈ HK$160,274/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,171,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,891
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,141
−HK$2,283/mo
Today · 4.125%
HK$88,424
baseline
▲ 0.50% · 4.625%
HK$93,085
+HK$4,661/mo
Deposit HK$11.02M · loan HK$16.54M · min. income ≈ HK$176,848/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,171,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,977
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,713
−HK$2,781/mo
Today · 4.125%
HK$93,494
baseline
▲ 0.50% · 4.625%
HK$99,182
+HK$5,688/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$186,988/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,873
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$100,498
−HK$2,663/mo
Today · 4.125%
HK$103,161
baseline
▲ 0.50% · 4.625%
HK$108,599
+HK$5,438/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$206,322/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,113
−HK$7,093/mo
▼ 0.25% · 3.875%
HK$116,631
−HK$3,575/mo
Today · 4.125%
HK$120,206
baseline
▲ 0.50% · 4.625%
HK$127,520
+HK$7,314/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$240,412/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,837
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$129,212
−HK$3,423/mo
Today · 4.125%
HK$132,635
baseline
▲ 0.50% · 4.625%
HK$139,627
+HK$6,992/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$265,270/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,237 · Scale 2, in force from 26 Feb 2026)