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$62,986
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,945
−HK$1,990/mo
Today · 4.125%
HK$66,935
baseline
▲ 0.50% · 4.625%
HK$71,008
+HK$4,073/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,870/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,173,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,071
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,950
−HK$1,907/mo
Today · 4.125%
HK$73,857
baseline
▲ 0.50% · 4.625%
HK$77,750
+HK$3,893/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,714/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,173,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,583
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,934
−HK$2,388/mo
Today · 4.125%
HK$80,322
baseline
▲ 0.50% · 4.625%
HK$85,210
+HK$4,888/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,644/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,085
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,340
−HK$2,288/mo
Today · 4.125%
HK$88,628
baseline
▲ 0.50% · 4.625%
HK$93,300
+HK$4,672/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,256/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,180
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,923
−HK$2,786/mo
Today · 4.125%
HK$93,709
baseline
▲ 0.50% · 4.625%
HK$99,411
+HK$5,702/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$187,418/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,099
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,730
−HK$2,669/mo
Today · 4.125%
HK$103,399
baseline
▲ 0.50% · 4.625%
HK$108,849
+HK$5,450/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$206,798/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,374
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$116,901
−HK$3,583/mo
Today · 4.125%
HK$120,484
baseline
▲ 0.50% · 4.625%
HK$127,815
+HK$7,331/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,968/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,128
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,510
−HK$3,432/mo
Today · 4.125%
HK$132,942
baseline
▲ 0.50% · 4.625%
HK$139,949
+HK$7,007/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,884/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,942 · Scale 2, in force from 26 Feb 2026)