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$62,974
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,932
−HK$1,991/mo
Today · 4.125%
HK$66,923
baseline
▲ 0.50% · 4.625%
HK$70,995
+HK$4,072/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,846/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,057
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,936
−HK$1,906/mo
Today · 4.125%
HK$73,842
baseline
▲ 0.50% · 4.625%
HK$77,735
+HK$3,893/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,684/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,568
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,919
−HK$2,388/mo
Today · 4.125%
HK$80,307
baseline
▲ 0.50% · 4.625%
HK$85,194
+HK$4,887/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,614/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,069
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,324
−HK$2,287/mo
Today · 4.125%
HK$88,611
baseline
▲ 0.50% · 4.625%
HK$93,282
+HK$4,671/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,222/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,163
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,905
−HK$2,787/mo
Today · 4.125%
HK$93,692
baseline
▲ 0.50% · 4.625%
HK$99,392
+HK$5,700/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$187,384/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,080
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,711
−HK$2,668/mo
Today · 4.125%
HK$103,379
baseline
▲ 0.50% · 4.625%
HK$108,829
+HK$5,450/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$206,758/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,352
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$116,878
−HK$3,583/mo
Today · 4.125%
HK$120,461
baseline
▲ 0.50% · 4.625%
HK$127,790
+HK$7,329/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,922/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,103
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$129,485
−HK$3,431/mo
Today · 4.125%
HK$132,916
baseline
▲ 0.50% · 4.625%
HK$139,923
+HK$7,007/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,832/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,718 · Scale 2, in force from 26 Feb 2026)