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$62,992
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,952
−HK$1,990/mo
Today · 4.125%
HK$66,942
baseline
▲ 0.50% · 4.625%
HK$71,016
+HK$4,074/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,884/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,078
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,958
−HK$1,906/mo
Today · 4.125%
HK$73,864
baseline
▲ 0.50% · 4.625%
HK$77,758
+HK$3,894/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,728/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,591
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,942
−HK$2,389/mo
Today · 4.125%
HK$80,331
baseline
▲ 0.50% · 4.625%
HK$85,219
+HK$4,888/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$160,662/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,174,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,094
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,349
−HK$2,288/mo
Today · 4.125%
HK$88,637
baseline
▲ 0.50% · 4.625%
HK$93,309
+HK$4,672/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$177,274/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,174,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,189
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,932
−HK$2,787/mo
Today · 4.125%
HK$93,719
baseline
▲ 0.50% · 4.625%
HK$99,422
+HK$5,703/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$187,438/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,109
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,741
−HK$2,669/mo
Today · 4.125%
HK$103,410
baseline
▲ 0.50% · 4.625%
HK$108,861
+HK$5,451/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$206,820/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,386
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$116,913
−HK$3,583/mo
Today · 4.125%
HK$120,496
baseline
▲ 0.50% · 4.625%
HK$127,828
+HK$7,332/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,992/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,141
−HK$6,815/mo
▼ 0.25% · 3.875%
HK$129,524
−HK$3,432/mo
Today · 4.125%
HK$132,956
baseline
▲ 0.50% · 4.625%
HK$139,964
+HK$7,008/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,912/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,063 · Scale 2, in force from 26 Feb 2026)