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$62,789
−HK$3,938/mo
▼ 0.25% · 3.875%
HK$64,742
−HK$1,985/mo
Today · 4.125%
HK$66,727
baseline
▲ 0.50% · 4.625%
HK$70,787
+HK$4,060/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,454/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,852
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,726
−HK$1,900/mo
Today · 4.125%
HK$73,626
baseline
▲ 0.50% · 4.625%
HK$77,507
+HK$3,881/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,252/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,347
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,691
−HK$2,381/mo
Today · 4.125%
HK$80,072
baseline
▲ 0.50% · 4.625%
HK$84,944
+HK$4,872/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$160,144/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,823
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,071
−HK$2,281/mo
Today · 4.125%
HK$88,352
baseline
▲ 0.50% · 4.625%
HK$93,009
+HK$4,657/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$176,704/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,905
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,639
−HK$2,778/mo
Today · 4.125%
HK$93,417
baseline
▲ 0.50% · 4.625%
HK$99,102
+HK$5,685/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$186,834/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,793
−HK$5,284/mo
▼ 0.25% · 3.875%
HK$100,416
−HK$2,661/mo
Today · 4.125%
HK$103,077
baseline
▲ 0.50% · 4.625%
HK$108,510
+HK$5,433/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$206,154/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,021
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$116,536
−HK$3,572/mo
Today · 4.125%
HK$120,108
baseline
▲ 0.50% · 4.625%
HK$127,416
+HK$7,308/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$240,216/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,734
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$129,106
−HK$3,421/mo
Today · 4.125%
HK$132,527
baseline
▲ 0.50% · 4.625%
HK$139,513
+HK$6,986/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$265,054/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,283 · Scale 2, in force from 26 Feb 2026)