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$62,844
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$64,799
−HK$1,986/mo
Today · 4.125%
HK$66,785
baseline
▲ 0.50% · 4.625%
HK$70,848
+HK$4,063/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,570/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,913
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,788
−HK$1,902/mo
Today · 4.125%
HK$73,690
baseline
▲ 0.50% · 4.625%
HK$77,575
+HK$3,885/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,380/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,413
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,758
−HK$2,384/mo
Today · 4.125%
HK$80,142
baseline
▲ 0.50% · 4.625%
HK$85,018
+HK$4,876/mo
Deposit HK$11.02M · loan HK$16.54M · min. income ≈ HK$160,284/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,896
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,146
−HK$2,282/mo
Today · 4.125%
HK$88,428
baseline
▲ 0.50% · 4.625%
HK$93,089
+HK$4,661/mo
Deposit HK$11.02M · loan HK$16.54M · min. income ≈ HK$176,856/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,981
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,718
−HK$2,780/mo
Today · 4.125%
HK$93,498
baseline
▲ 0.50% · 4.625%
HK$99,188
+HK$5,690/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$186,996/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,878
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$100,503
−HK$2,663/mo
Today · 4.125%
HK$103,166
baseline
▲ 0.50% · 4.625%
HK$108,604
+HK$5,438/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$206,332/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,119
−HK$7,093/mo
▼ 0.25% · 3.875%
HK$116,637
−HK$3,575/mo
Today · 4.125%
HK$120,212
baseline
▲ 0.50% · 4.625%
HK$127,527
+HK$7,315/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$240,424/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,843
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$129,219
−HK$3,423/mo
Today · 4.125%
HK$132,642
baseline
▲ 0.50% · 4.625%
HK$139,634
+HK$6,992/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$265,284/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,298 · Scale 2, in force from 26 Feb 2026)