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$62,789
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,742
−HK$1,984/mo
Today · 4.125%
HK$66,726
baseline
▲ 0.50% · 4.625%
HK$70,786
+HK$4,060/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,452/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,852
−HK$3,774/mo
▼ 0.25% · 3.875%
HK$71,725
−HK$1,901/mo
Today · 4.125%
HK$73,626
baseline
▲ 0.50% · 4.625%
HK$77,507
+HK$3,881/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,252/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,347
−HK$4,725/mo
▼ 0.25% · 3.875%
HK$77,690
−HK$2,382/mo
Today · 4.125%
HK$80,072
baseline
▲ 0.50% · 4.625%
HK$84,944
+HK$4,872/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$160,144/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,822
−HK$4,529/mo
▼ 0.25% · 3.875%
HK$86,070
−HK$2,281/mo
Today · 4.125%
HK$88,351
baseline
▲ 0.50% · 4.625%
HK$93,008
+HK$4,657/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$176,702/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,170,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,904
−HK$5,513/mo
▼ 0.25% · 3.875%
HK$90,639
−HK$2,778/mo
Today · 4.125%
HK$93,417
baseline
▲ 0.50% · 4.625%
HK$99,101
+HK$5,684/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$186,834/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,793
−HK$5,283/mo
▼ 0.25% · 3.875%
HK$100,416
−HK$2,660/mo
Today · 4.125%
HK$103,076
baseline
▲ 0.50% · 4.625%
HK$108,510
+HK$5,434/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$206,152/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,020
−HK$7,087/mo
▼ 0.25% · 3.875%
HK$116,536
−HK$3,571/mo
Today · 4.125%
HK$120,107
baseline
▲ 0.50% · 4.625%
HK$127,416
+HK$7,309/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$240,214/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,734
−HK$6,793/mo
▼ 0.25% · 3.875%
HK$129,106
−HK$3,421/mo
Today · 4.125%
HK$132,527
baseline
▲ 0.50% · 4.625%
HK$139,512
+HK$6,985/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$265,054/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,170,276 · Scale 2, in force from 26 Feb 2026)