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$62,642
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$64,591
−HK$1,980/mo
Today · 4.125%
HK$66,571
baseline
▲ 0.50% · 4.625%
HK$70,621
+HK$4,050/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$133,142/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,167,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,689
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,558
−HK$1,896/mo
Today · 4.125%
HK$73,454
baseline
▲ 0.50% · 4.625%
HK$77,326
+HK$3,872/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$146,908/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,167,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,171
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$77,509
−HK$2,376/mo
Today · 4.125%
HK$79,885
baseline
▲ 0.50% · 4.625%
HK$84,746
+HK$4,861/mo
Deposit HK$10.99M · loan HK$16.48M · min. income ≈ HK$159,770/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,627
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$85,870
−HK$2,275/mo
Today · 4.125%
HK$88,145
baseline
▲ 0.50% · 4.625%
HK$92,791
+HK$4,646/mo
Deposit HK$10.99M · loan HK$16.48M · min. income ≈ HK$176,290/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,699
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,427
−HK$2,772/mo
Today · 4.125%
HK$93,199
baseline
▲ 0.50% · 4.625%
HK$98,870
+HK$5,671/mo
Deposit HK$8.24M · loan HK$19.23M · min. income ≈ HK$186,398/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,565
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,181
−HK$2,655/mo
Today · 4.125%
HK$102,836
baseline
▲ 0.50% · 4.625%
HK$108,256
+HK$5,420/mo
Deposit HK$8.24M · loan HK$19.23M · min. income ≈ HK$205,672/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,756
−HK$7,071/mo
▼ 0.25% · 3.875%
HK$116,264
−HK$3,563/mo
Today · 4.125%
HK$119,827
baseline
▲ 0.50% · 4.625%
HK$127,118
+HK$7,291/mo
Deposit HK$2.75M · loan HK$24.72M · min. income ≈ HK$239,654/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,167,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,440
−HK$6,778/mo
▼ 0.25% · 3.875%
HK$128,805
−HK$3,413/mo
Today · 4.125%
HK$132,218
baseline
▲ 0.50% · 4.625%
HK$139,187
+HK$6,969/mo
Deposit HK$2.75M · loan HK$24.72M · min. income ≈ HK$264,436/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,167,547 · Scale 2, in force from 26 Feb 2026)