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$62,932
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,889
−HK$1,989/mo
Today · 4.125%
HK$66,878
baseline
▲ 0.50% · 4.625%
HK$70,947
+HK$4,069/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,756/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,011
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,888
−HK$1,905/mo
Today · 4.125%
HK$73,793
baseline
▲ 0.50% · 4.625%
HK$77,683
+HK$3,890/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,586/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,518
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,867
−HK$2,386/mo
Today · 4.125%
HK$80,253
baseline
▲ 0.50% · 4.625%
HK$85,137
+HK$4,884/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,506/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,013
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,266
−HK$2,286/mo
Today · 4.125%
HK$88,552
baseline
▲ 0.50% · 4.625%
HK$93,219
+HK$4,667/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,104/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,104
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,845
−HK$2,784/mo
Today · 4.125%
HK$93,629
baseline
▲ 0.50% · 4.625%
HK$99,326
+HK$5,697/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,258/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,015
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,644
−HK$2,666/mo
Today · 4.125%
HK$103,310
baseline
▲ 0.50% · 4.625%
HK$108,756
+HK$5,446/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,620/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,277
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$116,800
−HK$3,580/mo
Today · 4.125%
HK$120,380
baseline
▲ 0.50% · 4.625%
HK$127,705
+HK$7,325/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$240,760/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,019
−HK$6,809/mo
▼ 0.25% · 3.875%
HK$129,399
−HK$3,429/mo
Today · 4.125%
HK$132,828
baseline
▲ 0.50% · 4.625%
HK$139,829
+HK$7,001/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$265,656/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,934 · Scale 2, in force from 26 Feb 2026)