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$62,598
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,545
−HK$1,978/mo
Today · 4.125%
HK$66,523
baseline
▲ 0.50% · 4.625%
HK$70,571
+HK$4,048/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$133,046/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,639
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,507
−HK$1,895/mo
Today · 4.125%
HK$73,402
baseline
▲ 0.50% · 4.625%
HK$77,271
+HK$3,869/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$146,804/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,117
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,454
−HK$2,374/mo
Today · 4.125%
HK$79,828
baseline
▲ 0.50% · 4.625%
HK$84,685
+HK$4,857/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,656/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,567
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,809
−HK$2,273/mo
Today · 4.125%
HK$88,082
baseline
▲ 0.50% · 4.625%
HK$92,725
+HK$4,643/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,164/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,637
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,363
−HK$2,770/mo
Today · 4.125%
HK$93,133
baseline
▲ 0.50% · 4.625%
HK$98,799
+HK$5,666/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$186,266/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,495
−HK$5,268/mo
▼ 0.25% · 3.875%
HK$100,110
−HK$2,653/mo
Today · 4.125%
HK$102,763
baseline
▲ 0.50% · 4.625%
HK$108,179
+HK$5,416/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$205,526/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,676
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$116,181
−HK$3,561/mo
Today · 4.125%
HK$119,742
baseline
▲ 0.50% · 4.625%
HK$127,028
+HK$7,286/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$239,484/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,351
−HK$6,772/mo
▼ 0.25% · 3.875%
HK$128,713
−HK$3,410/mo
Today · 4.125%
HK$132,123
baseline
▲ 0.50% · 4.625%
HK$139,088
+HK$6,965/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$264,246/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,714 · Scale 2, in force from 26 Feb 2026)