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$62,650
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$64,599
−HK$1,980/mo
Today · 4.125%
HK$66,579
baseline
▲ 0.50% · 4.625%
HK$70,630
+HK$4,051/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$133,158/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,167,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,697
−HK$3,766/mo
▼ 0.25% · 3.875%
HK$71,567
−HK$1,896/mo
Today · 4.125%
HK$73,463
baseline
▲ 0.50% · 4.625%
HK$77,335
+HK$3,872/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$146,926/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,167,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,180
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$77,518
−HK$2,376/mo
Today · 4.125%
HK$79,894
baseline
▲ 0.50% · 4.625%
HK$84,756
+HK$4,862/mo
Deposit HK$10.99M · loan HK$16.48M · min. income ≈ HK$159,788/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,637
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$85,880
−HK$2,275/mo
Today · 4.125%
HK$88,155
baseline
▲ 0.50% · 4.625%
HK$92,802
+HK$4,647/mo
Deposit HK$10.99M · loan HK$16.48M · min. income ≈ HK$176,310/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,710
−HK$5,500/mo
▼ 0.25% · 3.875%
HK$90,438
−HK$2,772/mo
Today · 4.125%
HK$93,210
baseline
▲ 0.50% · 4.625%
HK$98,882
+HK$5,672/mo
Deposit HK$8.24M · loan HK$19.23M · min. income ≈ HK$186,420/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,576
−HK$5,272/mo
▼ 0.25% · 3.875%
HK$100,193
−HK$2,655/mo
Today · 4.125%
HK$102,848
baseline
▲ 0.50% · 4.625%
HK$108,269
+HK$5,421/mo
Deposit HK$8.24M · loan HK$19.23M · min. income ≈ HK$205,696/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,770
−HK$7,071/mo
▼ 0.25% · 3.875%
HK$116,277
−HK$3,564/mo
Today · 4.125%
HK$119,841
baseline
▲ 0.50% · 4.625%
HK$127,133
+HK$7,292/mo
Deposit HK$2.75M · loan HK$24.73M · min. income ≈ HK$239,682/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,167,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,455
−HK$6,778/mo
▼ 0.25% · 3.875%
HK$128,820
−HK$3,413/mo
Today · 4.125%
HK$132,233
baseline
▲ 0.50% · 4.625%
HK$139,203
+HK$6,970/mo
Deposit HK$2.75M · loan HK$24.73M · min. income ≈ HK$264,466/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,167,684 · Scale 2, in force from 26 Feb 2026)