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$62,979
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,938
−HK$1,990/mo
Today · 4.125%
HK$66,928
baseline
▲ 0.50% · 4.625%
HK$71,000
+HK$4,072/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,856/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,063
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,942
−HK$1,906/mo
Today · 4.125%
HK$73,848
baseline
▲ 0.50% · 4.625%
HK$77,741
+HK$3,893/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,696/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,574
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,925
−HK$2,388/mo
Today · 4.125%
HK$80,313
baseline
▲ 0.50% · 4.625%
HK$85,200
+HK$4,887/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,626/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,076
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,330
−HK$2,288/mo
Today · 4.125%
HK$88,618
baseline
▲ 0.50% · 4.625%
HK$93,289
+HK$4,671/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,236/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,170
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,913
−HK$2,786/mo
Today · 4.125%
HK$93,699
baseline
▲ 0.50% · 4.625%
HK$99,400
+HK$5,701/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$187,398/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,088
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,719
−HK$2,669/mo
Today · 4.125%
HK$103,388
baseline
▲ 0.50% · 4.625%
HK$108,837
+HK$5,449/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$206,776/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,361
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$116,888
−HK$3,582/mo
Today · 4.125%
HK$120,470
baseline
▲ 0.50% · 4.625%
HK$127,801
+HK$7,331/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,940/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,113
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,496
−HK$3,431/mo
Today · 4.125%
HK$132,927
baseline
▲ 0.50% · 4.625%
HK$139,934
+HK$7,007/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,854/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,811 · Scale 2, in force from 26 Feb 2026)