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$62,654
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$64,603
−HK$1,980/mo
Today · 4.125%
HK$66,583
baseline
▲ 0.50% · 4.625%
HK$70,634
+HK$4,051/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$133,166/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,167,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,702
−HK$3,765/mo
▼ 0.25% · 3.875%
HK$71,571
−HK$1,896/mo
Today · 4.125%
HK$73,467
baseline
▲ 0.50% · 4.625%
HK$77,340
+HK$3,873/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$146,934/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,167,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,184
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$77,523
−HK$2,376/mo
Today · 4.125%
HK$79,899
baseline
▲ 0.50% · 4.625%
HK$84,761
+HK$4,862/mo
Deposit HK$10.99M · loan HK$16.49M · min. income ≈ HK$159,798/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,642
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$85,885
−HK$2,276/mo
Today · 4.125%
HK$88,161
baseline
▲ 0.50% · 4.625%
HK$92,808
+HK$4,647/mo
Deposit HK$10.99M · loan HK$16.49M · min. income ≈ HK$176,322/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,715
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,444
−HK$2,772/mo
Today · 4.125%
HK$93,216
baseline
▲ 0.50% · 4.625%
HK$98,888
+HK$5,672/mo
Deposit HK$8.24M · loan HK$19.23M · min. income ≈ HK$186,432/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,582
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,199
−HK$2,655/mo
Today · 4.125%
HK$102,854
baseline
▲ 0.50% · 4.625%
HK$108,276
+HK$5,422/mo
Deposit HK$8.24M · loan HK$19.23M · min. income ≈ HK$205,708/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,777
−HK$7,072/mo
▼ 0.25% · 3.875%
HK$116,285
−HK$3,564/mo
Today · 4.125%
HK$119,849
baseline
▲ 0.50% · 4.625%
HK$127,141
+HK$7,292/mo
Deposit HK$2.75M · loan HK$24.73M · min. income ≈ HK$239,698/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,167,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,463
−HK$6,778/mo
▼ 0.25% · 3.875%
HK$128,828
−HK$3,413/mo
Today · 4.125%
HK$132,241
baseline
▲ 0.50% · 4.625%
HK$139,212
+HK$6,971/mo
Deposit HK$2.75M · loan HK$24.73M · min. income ≈ HK$264,482/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,167,755 · Scale 2, in force from 26 Feb 2026)