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$62,872
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,828
−HK$1,987/mo
Today · 4.125%
HK$66,815
baseline
▲ 0.50% · 4.625%
HK$70,880
+HK$4,065/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,630/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,171,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,945
−HK$3,778/mo
▼ 0.25% · 3.875%
HK$71,820
−HK$1,903/mo
Today · 4.125%
HK$73,723
baseline
▲ 0.50% · 4.625%
HK$77,610
+HK$3,887/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,446/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,171,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,446
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,793
−HK$2,385/mo
Today · 4.125%
HK$80,178
baseline
▲ 0.50% · 4.625%
HK$85,056
+HK$4,878/mo
Deposit HK$11.03M · loan HK$16.54M · min. income ≈ HK$160,356/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,933
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,185
−HK$2,283/mo
Today · 4.125%
HK$88,468
baseline
▲ 0.50% · 4.625%
HK$93,131
+HK$4,663/mo
Deposit HK$11.03M · loan HK$16.54M · min. income ≈ HK$176,936/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,021
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$90,759
−HK$2,782/mo
Today · 4.125%
HK$93,541
baseline
▲ 0.50% · 4.625%
HK$99,232
+HK$5,691/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$187,082/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,922
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$100,549
−HK$2,664/mo
Today · 4.125%
HK$103,213
baseline
▲ 0.50% · 4.625%
HK$108,653
+HK$5,440/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$206,426/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,170
−HK$7,096/mo
▼ 0.25% · 3.875%
HK$116,690
−HK$3,576/mo
Today · 4.125%
HK$120,266
baseline
▲ 0.50% · 4.625%
HK$127,584
+HK$7,318/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$240,532/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,900
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$129,277
−HK$3,425/mo
Today · 4.125%
HK$132,702
baseline
▲ 0.50% · 4.625%
HK$139,697
+HK$6,995/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$265,404/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,826 · Scale 2, in force from 26 Feb 2026)