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$62,836
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,791
−HK$1,985/mo
Today · 4.125%
HK$66,776
baseline
▲ 0.50% · 4.625%
HK$70,840
+HK$4,064/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,552/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,904
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,779
−HK$1,902/mo
Today · 4.125%
HK$73,681
baseline
▲ 0.50% · 4.625%
HK$77,565
+HK$3,884/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,362/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,403
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,749
−HK$2,383/mo
Today · 4.125%
HK$80,132
baseline
▲ 0.50% · 4.625%
HK$85,008
+HK$4,876/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,264/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,171,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,885
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,135
−HK$2,282/mo
Today · 4.125%
HK$88,417
baseline
▲ 0.50% · 4.625%
HK$93,078
+HK$4,661/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,834/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,171,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,970
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,707
−HK$2,780/mo
Today · 4.125%
HK$93,487
baseline
▲ 0.50% · 4.625%
HK$99,175
+HK$5,688/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$186,974/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,866
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$100,491
−HK$2,663/mo
Today · 4.125%
HK$103,154
baseline
▲ 0.50% · 4.625%
HK$108,591
+HK$5,437/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$206,308/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,105
−HK$7,093/mo
▼ 0.25% · 3.875%
HK$116,623
−HK$3,575/mo
Today · 4.125%
HK$120,198
baseline
▲ 0.50% · 4.625%
HK$127,511
+HK$7,313/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$240,396/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,828
−HK$6,798/mo
▼ 0.25% · 3.875%
HK$129,203
−HK$3,423/mo
Today · 4.125%
HK$132,626
baseline
▲ 0.50% · 4.625%
HK$139,617
+HK$6,991/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$265,252/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,155 · Scale 2, in force from 26 Feb 2026)