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$62,913
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,870
−HK$1,989/mo
Today · 4.125%
HK$66,859
baseline
▲ 0.50% · 4.625%
HK$70,927
+HK$4,068/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,718/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,991
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,868
−HK$1,904/mo
Today · 4.125%
HK$73,772
baseline
▲ 0.50% · 4.625%
HK$77,660
+HK$3,888/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,544/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,496
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,844
−HK$2,386/mo
Today · 4.125%
HK$80,230
baseline
▲ 0.50% · 4.625%
HK$85,112
+HK$4,882/mo
Deposit HK$11.04M · loan HK$16.55M · min. income ≈ HK$160,460/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,989
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,241
−HK$2,285/mo
Today · 4.125%
HK$88,526
baseline
▲ 0.50% · 4.625%
HK$93,193
+HK$4,667/mo
Deposit HK$11.04M · loan HK$16.55M · min. income ≈ HK$177,052/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,079
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,818
−HK$2,784/mo
Today · 4.125%
HK$93,602
baseline
▲ 0.50% · 4.625%
HK$99,298
+HK$5,696/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$187,204/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,987
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,615
−HK$2,666/mo
Today · 4.125%
HK$103,281
baseline
▲ 0.50% · 4.625%
HK$108,725
+HK$5,444/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$206,562/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,244
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$116,767
−HK$3,578/mo
Today · 4.125%
HK$120,345
baseline
▲ 0.50% · 4.625%
HK$127,668
+HK$7,323/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$240,690/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,983
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$129,362
−HK$3,427/mo
Today · 4.125%
HK$132,789
baseline
▲ 0.50% · 4.625%
HK$139,789
+HK$7,000/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$265,578/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,596 · Scale 2, in force from 26 Feb 2026)