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$62,606
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$64,553
−HK$1,979/mo
Today · 4.125%
HK$66,532
baseline
▲ 0.50% · 4.625%
HK$70,580
+HK$4,048/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$133,064/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,648
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,516
−HK$1,895/mo
Today · 4.125%
HK$73,411
baseline
▲ 0.50% · 4.625%
HK$77,281
+HK$3,870/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$146,822/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,127
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,464
−HK$2,374/mo
Today · 4.125%
HK$79,838
baseline
▲ 0.50% · 4.625%
HK$84,696
+HK$4,858/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,676/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,578
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,819
−HK$2,274/mo
Today · 4.125%
HK$88,093
baseline
▲ 0.50% · 4.625%
HK$92,737
+HK$4,644/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,186/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,648
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,374
−HK$2,770/mo
Today · 4.125%
HK$93,144
baseline
▲ 0.50% · 4.625%
HK$98,812
+HK$5,668/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$186,288/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,507
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$100,123
−HK$2,653/mo
Today · 4.125%
HK$102,776
baseline
▲ 0.50% · 4.625%
HK$108,193
+HK$5,417/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$205,552/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,690
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$116,196
−HK$3,561/mo
Today · 4.125%
HK$119,757
baseline
▲ 0.50% · 4.625%
HK$127,044
+HK$7,287/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$239,514/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,367
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$128,729
−HK$3,411/mo
Today · 4.125%
HK$132,140
baseline
▲ 0.50% · 4.625%
HK$139,105
+HK$6,965/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$264,280/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,861 · Scale 2, in force from 26 Feb 2026)