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$62,814
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,767
−HK$1,986/mo
Today · 4.125%
HK$66,753
baseline
▲ 0.50% · 4.625%
HK$70,814
+HK$4,061/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,506/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,880
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,754
−HK$1,901/mo
Today · 4.125%
HK$73,655
baseline
▲ 0.50% · 4.625%
HK$77,537
+HK$3,882/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,310/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,376
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,721
−HK$2,382/mo
Today · 4.125%
HK$80,103
baseline
▲ 0.50% · 4.625%
HK$84,977
+HK$4,874/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,206/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,855
−HK$4,531/mo
▼ 0.25% · 3.875%
HK$86,104
−HK$2,282/mo
Today · 4.125%
HK$88,386
baseline
▲ 0.50% · 4.625%
HK$93,045
+HK$4,659/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,772/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,939
−HK$5,515/mo
▼ 0.25% · 3.875%
HK$90,674
−HK$2,780/mo
Today · 4.125%
HK$93,454
baseline
▲ 0.50% · 4.625%
HK$99,140
+HK$5,686/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$186,908/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,831
−HK$5,286/mo
▼ 0.25% · 3.875%
HK$100,455
−HK$2,662/mo
Today · 4.125%
HK$103,117
baseline
▲ 0.50% · 4.625%
HK$108,552
+HK$5,435/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$206,234/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,064
−HK$7,091/mo
▼ 0.25% · 3.875%
HK$116,581
−HK$3,574/mo
Today · 4.125%
HK$120,155
baseline
▲ 0.50% · 4.625%
HK$127,466
+HK$7,311/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$240,310/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,783
−HK$6,796/mo
▼ 0.25% · 3.875%
HK$129,157
−HK$3,422/mo
Today · 4.125%
HK$132,579
baseline
▲ 0.50% · 4.625%
HK$139,567
+HK$6,988/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$265,158/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,737 · Scale 2, in force from 26 Feb 2026)