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$62,919
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,876
−HK$1,988/mo
Today · 4.125%
HK$66,864
baseline
▲ 0.50% · 4.625%
HK$70,933
+HK$4,069/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,728/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,997
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,874
−HK$1,904/mo
Today · 4.125%
HK$73,778
baseline
▲ 0.50% · 4.625%
HK$77,667
+HK$3,889/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,556/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,503
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,851
−HK$2,386/mo
Today · 4.125%
HK$80,237
baseline
▲ 0.50% · 4.625%
HK$85,120
+HK$4,883/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,474/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,996
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,249
−HK$2,285/mo
Today · 4.125%
HK$88,534
baseline
▲ 0.50% · 4.625%
HK$93,201
+HK$4,667/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,068/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,086
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,826
−HK$2,784/mo
Today · 4.125%
HK$93,610
baseline
▲ 0.50% · 4.625%
HK$99,306
+HK$5,696/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,220/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,995
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,623
−HK$2,667/mo
Today · 4.125%
HK$103,290
baseline
▲ 0.50% · 4.625%
HK$108,734
+HK$5,444/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,580/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,254
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$116,777
−HK$3,579/mo
Today · 4.125%
HK$120,356
baseline
▲ 0.50% · 4.625%
HK$127,679
+HK$7,323/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$240,712/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,994
−HK$6,807/mo
▼ 0.25% · 3.875%
HK$129,373
−HK$3,428/mo
Today · 4.125%
HK$132,801
baseline
▲ 0.50% · 4.625%
HK$139,801
+HK$7,000/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$265,602/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,698 · Scale 2, in force from 26 Feb 2026)