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$62,640
−HK$3,928/mo
▼ 0.25% · 3.875%
HK$64,588
−HK$1,980/mo
Today · 4.125%
HK$66,568
baseline
▲ 0.50% · 4.625%
HK$70,618
+HK$4,050/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$133,136/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,167,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,686
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,555
−HK$1,896/mo
Today · 4.125%
HK$73,451
baseline
▲ 0.50% · 4.625%
HK$77,323
+HK$3,872/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$146,902/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,167,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,168
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,506
−HK$2,375/mo
Today · 4.125%
HK$79,881
baseline
▲ 0.50% · 4.625%
HK$84,742
+HK$4,861/mo
Deposit HK$10.99M · loan HK$16.48M · min. income ≈ HK$159,762/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,623
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$85,866
−HK$2,275/mo
Today · 4.125%
HK$88,141
baseline
▲ 0.50% · 4.625%
HK$92,787
+HK$4,646/mo
Deposit HK$10.99M · loan HK$16.48M · min. income ≈ HK$176,282/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,695
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,423
−HK$2,772/mo
Today · 4.125%
HK$93,195
baseline
▲ 0.50% · 4.625%
HK$98,865
+HK$5,670/mo
Deposit HK$8.24M · loan HK$19.23M · min. income ≈ HK$186,390/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,560
−HK$5,271/mo
▼ 0.25% · 3.875%
HK$100,177
−HK$2,654/mo
Today · 4.125%
HK$102,831
baseline
▲ 0.50% · 4.625%
HK$108,252
+HK$5,421/mo
Deposit HK$8.24M · loan HK$19.23M · min. income ≈ HK$205,662/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,751
−HK$7,071/mo
▼ 0.25% · 3.875%
HK$116,259
−HK$3,563/mo
Today · 4.125%
HK$119,822
baseline
▲ 0.50% · 4.625%
HK$127,113
+HK$7,291/mo
Deposit HK$2.75M · loan HK$24.72M · min. income ≈ HK$239,644/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,167,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,435
−HK$6,777/mo
▼ 0.25% · 3.875%
HK$128,799
−HK$3,413/mo
Today · 4.125%
HK$132,212
baseline
▲ 0.50% · 4.625%
HK$139,181
+HK$6,969/mo
Deposit HK$2.75M · loan HK$24.72M · min. income ≈ HK$264,424/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,167,494 · Scale 2, in force from 26 Feb 2026)