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$62,922
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,879
−HK$1,989/mo
Today · 4.125%
HK$66,868
baseline
▲ 0.50% · 4.625%
HK$70,937
+HK$4,069/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,736/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,000
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,877
−HK$1,905/mo
Today · 4.125%
HK$73,782
baseline
▲ 0.50% · 4.625%
HK$77,671
+HK$3,889/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,564/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,506
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,855
−HK$2,386/mo
Today · 4.125%
HK$80,241
baseline
▲ 0.50% · 4.625%
HK$85,124
+HK$4,883/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,482/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,000
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,253
−HK$2,285/mo
Today · 4.125%
HK$88,538
baseline
▲ 0.50% · 4.625%
HK$93,205
+HK$4,667/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,076/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,091
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,831
−HK$2,784/mo
Today · 4.125%
HK$93,615
baseline
▲ 0.50% · 4.625%
HK$99,311
+HK$5,696/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,230/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,000
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,628
−HK$2,667/mo
Today · 4.125%
HK$103,295
baseline
▲ 0.50% · 4.625%
HK$108,740
+HK$5,445/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,590/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,260
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$116,783
−HK$3,579/mo
Today · 4.125%
HK$120,362
baseline
▲ 0.50% · 4.625%
HK$127,686
+HK$7,324/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$240,724/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,000
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$129,379
−HK$3,429/mo
Today · 4.125%
HK$132,808
baseline
▲ 0.50% · 4.625%
HK$139,808
+HK$7,000/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$265,616/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,757 · Scale 2, in force from 26 Feb 2026)