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$62,645
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,594
−HK$1,979/mo
Today · 4.125%
HK$66,573
baseline
▲ 0.50% · 4.625%
HK$70,624
+HK$4,051/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$133,146/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,167,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,692
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,561
−HK$1,896/mo
Today · 4.125%
HK$73,457
baseline
▲ 0.50% · 4.625%
HK$77,329
+HK$3,872/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$146,914/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,167,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,174
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$77,512
−HK$2,376/mo
Today · 4.125%
HK$79,888
baseline
▲ 0.50% · 4.625%
HK$84,749
+HK$4,861/mo
Deposit HK$10.99M · loan HK$16.48M · min. income ≈ HK$159,776/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,630
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$85,873
−HK$2,276/mo
Today · 4.125%
HK$88,149
baseline
▲ 0.50% · 4.625%
HK$92,795
+HK$4,646/mo
Deposit HK$10.99M · loan HK$16.48M · min. income ≈ HK$176,298/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,703
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,431
−HK$2,772/mo
Today · 4.125%
HK$93,203
baseline
▲ 0.50% · 4.625%
HK$98,874
+HK$5,671/mo
Deposit HK$8.24M · loan HK$19.23M · min. income ≈ HK$186,406/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,569
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,186
−HK$2,654/mo
Today · 4.125%
HK$102,840
baseline
▲ 0.50% · 4.625%
HK$108,261
+HK$5,421/mo
Deposit HK$8.24M · loan HK$19.23M · min. income ≈ HK$205,680/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,761
−HK$7,071/mo
▼ 0.25% · 3.875%
HK$116,269
−HK$3,563/mo
Today · 4.125%
HK$119,832
baseline
▲ 0.50% · 4.625%
HK$127,124
+HK$7,292/mo
Deposit HK$2.75M · loan HK$24.73M · min. income ≈ HK$239,664/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,167,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,446
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$128,810
−HK$3,413/mo
Today · 4.125%
HK$132,223
baseline
▲ 0.50% · 4.625%
HK$139,193
+HK$6,970/mo
Deposit HK$2.75M · loan HK$24.73M · min. income ≈ HK$264,446/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,167,596 · Scale 2, in force from 26 Feb 2026)