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$62,839
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,793
−HK$1,986/mo
Today · 4.125%
HK$66,779
baseline
▲ 0.50% · 4.625%
HK$70,843
+HK$4,064/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,558/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,907
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,782
−HK$1,902/mo
Today · 4.125%
HK$73,684
baseline
▲ 0.50% · 4.625%
HK$77,568
+HK$3,884/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,368/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,407
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,752
−HK$2,383/mo
Today · 4.125%
HK$80,135
baseline
▲ 0.50% · 4.625%
HK$85,011
+HK$4,876/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,270/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,171,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,889
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,139
−HK$2,282/mo
Today · 4.125%
HK$88,421
baseline
▲ 0.50% · 4.625%
HK$93,082
+HK$4,661/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,842/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,171,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,974
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,711
−HK$2,780/mo
Today · 4.125%
HK$93,491
baseline
▲ 0.50% · 4.625%
HK$99,180
+HK$5,689/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$186,982/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,870
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$100,495
−HK$2,663/mo
Today · 4.125%
HK$103,158
baseline
▲ 0.50% · 4.625%
HK$108,596
+HK$5,438/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$206,316/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,110
−HK$7,093/mo
▼ 0.25% · 3.875%
HK$116,628
−HK$3,575/mo
Today · 4.125%
HK$120,203
baseline
▲ 0.50% · 4.625%
HK$127,517
+HK$7,314/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$240,406/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,833
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$129,208
−HK$3,424/mo
Today · 4.125%
HK$132,632
baseline
▲ 0.50% · 4.625%
HK$139,623
+HK$6,991/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$265,264/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,205 · Scale 2, in force from 26 Feb 2026)