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$62,893
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,849
−HK$1,988/mo
Today · 4.125%
HK$66,837
baseline
▲ 0.50% · 4.625%
HK$70,903
+HK$4,066/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,674/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,967
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,844
−HK$1,904/mo
Today · 4.125%
HK$73,748
baseline
▲ 0.50% · 4.625%
HK$77,635
+HK$3,887/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,496/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,471
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,819
−HK$2,385/mo
Today · 4.125%
HK$80,204
baseline
▲ 0.50% · 4.625%
HK$85,084
+HK$4,880/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$160,408/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,172,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,961
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,213
−HK$2,284/mo
Today · 4.125%
HK$88,497
baseline
▲ 0.50% · 4.625%
HK$93,162
+HK$4,665/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$176,994/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,172,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,050
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$90,789
−HK$2,782/mo
Today · 4.125%
HK$93,571
baseline
▲ 0.50% · 4.625%
HK$99,265
+HK$5,694/mo
Deposit HK$8.27M · loan HK$19.31M · min. income ≈ HK$187,142/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,954
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,581
−HK$2,666/mo
Today · 4.125%
HK$103,247
baseline
▲ 0.50% · 4.625%
HK$108,689
+HK$5,442/mo
Deposit HK$8.27M · loan HK$19.31M · min. income ≈ HK$206,494/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,207
−HK$7,099/mo
▼ 0.25% · 3.875%
HK$116,728
−HK$3,578/mo
Today · 4.125%
HK$120,306
baseline
▲ 0.50% · 4.625%
HK$127,626
+HK$7,320/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$240,612/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,941
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$129,319
−HK$3,427/mo
Today · 4.125%
HK$132,746
baseline
▲ 0.50% · 4.625%
HK$139,743
+HK$6,997/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$265,492/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,209 · Scale 2, in force from 26 Feb 2026)