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$62,588
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,535
−HK$1,978/mo
Today · 4.125%
HK$66,513
baseline
▲ 0.50% · 4.625%
HK$70,560
+HK$4,047/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$133,026/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,628
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,496
−HK$1,894/mo
Today · 4.125%
HK$73,390
baseline
▲ 0.50% · 4.625%
HK$77,259
+HK$3,869/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,780/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,106
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,442
−HK$2,373/mo
Today · 4.125%
HK$79,815
baseline
▲ 0.50% · 4.625%
HK$84,672
+HK$4,857/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,630/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,554
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,795
−HK$2,273/mo
Today · 4.125%
HK$88,068
baseline
▲ 0.50% · 4.625%
HK$92,710
+HK$4,642/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,136/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,623
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,349
−HK$2,769/mo
Today · 4.125%
HK$93,118
baseline
▲ 0.50% · 4.625%
HK$98,784
+HK$5,666/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$186,236/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,480
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,094
−HK$2,652/mo
Today · 4.125%
HK$102,746
baseline
▲ 0.50% · 4.625%
HK$108,162
+HK$5,416/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$205,492/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,658
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$116,163
−HK$3,560/mo
Today · 4.125%
HK$119,723
baseline
▲ 0.50% · 4.625%
HK$127,008
+HK$7,285/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$239,446/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,331
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$128,692
−HK$3,410/mo
Today · 4.125%
HK$132,102
baseline
▲ 0.50% · 4.625%
HK$139,066
+HK$6,964/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$264,204/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,530 · Scale 2, in force from 26 Feb 2026)