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$63,012
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,972
−HK$1,992/mo
Today · 4.125%
HK$66,964
baseline
▲ 0.50% · 4.625%
HK$71,038
+HK$4,074/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$133,928/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,101
−HK$3,787/mo
▼ 0.25% · 3.875%
HK$71,981
−HK$1,907/mo
Today · 4.125%
HK$73,888
baseline
▲ 0.50% · 4.625%
HK$77,783
+HK$3,895/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$147,776/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,615
−HK$4,741/mo
▼ 0.25% · 3.875%
HK$77,967
−HK$2,389/mo
Today · 4.125%
HK$80,356
baseline
▲ 0.50% · 4.625%
HK$85,246
+HK$4,890/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$160,712/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,121
−HK$4,544/mo
▼ 0.25% · 3.875%
HK$86,377
−HK$2,288/mo
Today · 4.125%
HK$88,665
baseline
▲ 0.50% · 4.625%
HK$93,339
+HK$4,674/mo
Deposit HK$11.05M · loan HK$16.58M · min. income ≈ HK$177,330/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,217
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$90,961
−HK$2,788/mo
Today · 4.125%
HK$93,749
baseline
▲ 0.50% · 4.625%
HK$99,454
+HK$5,705/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$187,498/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,141
−HK$5,302/mo
▼ 0.25% · 3.875%
HK$100,773
−HK$2,670/mo
Today · 4.125%
HK$103,443
baseline
▲ 0.50% · 4.625%
HK$108,896
+HK$5,453/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$206,886/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,174,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,422
−HK$7,113/mo
▼ 0.25% · 3.875%
HK$116,950
−HK$3,585/mo
Today · 4.125%
HK$120,535
baseline
▲ 0.50% · 4.625%
HK$127,869
+HK$7,334/mo
Deposit HK$2.76M · loan HK$24.87M · min. income ≈ HK$241,070/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,181
−HK$6,817/mo
▼ 0.25% · 3.875%
HK$129,565
−HK$3,433/mo
Today · 4.125%
HK$132,998
baseline
▲ 0.50% · 4.625%
HK$140,009
+HK$7,011/mo
Deposit HK$2.76M · loan HK$24.87M · min. income ≈ HK$265,996/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,440 · Scale 2, in force from 26 Feb 2026)