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$62,908
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,864
−HK$1,988/mo
Today · 4.125%
HK$66,852
baseline
▲ 0.50% · 4.625%
HK$70,920
+HK$4,068/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,704/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,984
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,861
−HK$1,904/mo
Today · 4.125%
HK$73,765
baseline
▲ 0.50% · 4.625%
HK$77,653
+HK$3,888/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,530/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,489
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,837
−HK$2,386/mo
Today · 4.125%
HK$80,223
baseline
▲ 0.50% · 4.625%
HK$85,104
+HK$4,881/mo
Deposit HK$11.04M · loan HK$16.55M · min. income ≈ HK$160,446/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,981
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,233
−HK$2,285/mo
Today · 4.125%
HK$88,518
baseline
▲ 0.50% · 4.625%
HK$93,184
+HK$4,666/mo
Deposit HK$11.04M · loan HK$16.55M · min. income ≈ HK$177,036/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,071
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,810
−HK$2,783/mo
Today · 4.125%
HK$93,593
baseline
▲ 0.50% · 4.625%
HK$99,288
+HK$5,695/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$187,186/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,978
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,605
−HK$2,666/mo
Today · 4.125%
HK$103,271
baseline
▲ 0.50% · 4.625%
HK$108,715
+HK$5,444/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$206,542/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,234
−HK$7,100/mo
▼ 0.25% · 3.875%
HK$116,756
−HK$3,578/mo
Today · 4.125%
HK$120,334
baseline
▲ 0.50% · 4.625%
HK$127,656
+HK$7,322/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$240,668/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,971
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$129,350
−HK$3,427/mo
Today · 4.125%
HK$132,777
baseline
▲ 0.50% · 4.625%
HK$139,776
+HK$6,999/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$265,554/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,488 · Scale 2, in force from 26 Feb 2026)