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$62,775
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,728
−HK$1,984/mo
Today · 4.125%
HK$66,712
baseline
▲ 0.50% · 4.625%
HK$70,771
+HK$4,059/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$133,424/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,170,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,837
−HK$3,773/mo
▼ 0.25% · 3.875%
HK$71,710
−HK$1,900/mo
Today · 4.125%
HK$73,610
baseline
▲ 0.50% · 4.625%
HK$77,490
+HK$3,880/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$147,220/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,170,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,330
−HK$4,724/mo
▼ 0.25% · 3.875%
HK$77,674
−HK$2,380/mo
Today · 4.125%
HK$80,054
baseline
▲ 0.50% · 4.625%
HK$84,925
+HK$4,871/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$160,108/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,804
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,052
−HK$2,280/mo
Today · 4.125%
HK$88,332
baseline
▲ 0.50% · 4.625%
HK$92,988
+HK$4,656/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$176,664/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,885
−HK$5,512/mo
▼ 0.25% · 3.875%
HK$90,619
−HK$2,778/mo
Today · 4.125%
HK$93,397
baseline
▲ 0.50% · 4.625%
HK$99,080
+HK$5,683/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$186,794/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,772
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,394
−HK$2,660/mo
Today · 4.125%
HK$103,054
baseline
▲ 0.50% · 4.625%
HK$108,486
+HK$5,432/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$206,108/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,996
−HK$7,085/mo
▼ 0.25% · 3.875%
HK$116,510
−HK$3,571/mo
Today · 4.125%
HK$120,081
baseline
▲ 0.50% · 4.625%
HK$127,388
+HK$7,307/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$240,162/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,706
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$129,078
−HK$3,420/mo
Today · 4.125%
HK$132,498
baseline
▲ 0.50% · 4.625%
HK$139,482
+HK$6,984/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$264,996/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,023 · Scale 2, in force from 26 Feb 2026)