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$63,001
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,960
−HK$1,991/mo
Today · 4.125%
HK$66,951
baseline
▲ 0.50% · 4.625%
HK$71,025
+HK$4,074/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,902/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,088
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,967
−HK$1,907/mo
Today · 4.125%
HK$73,874
baseline
▲ 0.50% · 4.625%
HK$77,768
+HK$3,894/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,748/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,601
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,952
−HK$2,390/mo
Today · 4.125%
HK$80,342
baseline
▲ 0.50% · 4.625%
HK$85,230
+HK$4,888/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$160,684/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,105
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,361
−HK$2,288/mo
Today · 4.125%
HK$88,649
baseline
▲ 0.50% · 4.625%
HK$93,322
+HK$4,673/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$177,298/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,201
−HK$5,531/mo
▼ 0.25% · 3.875%
HK$90,945
−HK$2,787/mo
Today · 4.125%
HK$93,732
baseline
▲ 0.50% · 4.625%
HK$99,435
+HK$5,703/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$187,464/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,123
−HK$5,301/mo
▼ 0.25% · 3.875%
HK$100,754
−HK$2,670/mo
Today · 4.125%
HK$103,424
baseline
▲ 0.50% · 4.625%
HK$108,876
+HK$5,452/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$206,848/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,401
−HK$7,112/mo
▼ 0.25% · 3.875%
HK$116,929
−HK$3,584/mo
Today · 4.125%
HK$120,513
baseline
▲ 0.50% · 4.625%
HK$127,845
+HK$7,332/mo
Deposit HK$2.76M · loan HK$24.87M · min. income ≈ HK$241,026/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,158
−HK$6,816/mo
▼ 0.25% · 3.875%
HK$129,541
−HK$3,433/mo
Today · 4.125%
HK$132,974
baseline
▲ 0.50% · 4.625%
HK$139,983
+HK$7,009/mo
Deposit HK$2.76M · loan HK$24.87M · min. income ≈ HK$265,948/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,223 · Scale 2, in force from 26 Feb 2026)