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$62,829
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,784
−HK$1,985/mo
Today · 4.125%
HK$66,769
baseline
▲ 0.50% · 4.625%
HK$70,832
+HK$4,063/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,538/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,897
−HK$3,776/mo
▼ 0.25% · 3.875%
HK$71,772
−HK$1,901/mo
Today · 4.125%
HK$73,673
baseline
▲ 0.50% · 4.625%
HK$77,557
+HK$3,884/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,346/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,395
−HK$4,728/mo
▼ 0.25% · 3.875%
HK$77,740
−HK$2,383/mo
Today · 4.125%
HK$80,123
baseline
▲ 0.50% · 4.625%
HK$84,998
+HK$4,875/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,246/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,171,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,876
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,126
−HK$2,282/mo
Today · 4.125%
HK$88,408
baseline
▲ 0.50% · 4.625%
HK$93,068
+HK$4,660/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,816/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,171,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,961
−HK$5,516/mo
▼ 0.25% · 3.875%
HK$90,697
−HK$2,780/mo
Today · 4.125%
HK$93,477
baseline
▲ 0.50% · 4.625%
HK$99,165
+HK$5,688/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$186,954/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,856
−HK$5,287/mo
▼ 0.25% · 3.875%
HK$100,480
−HK$2,663/mo
Today · 4.125%
HK$103,143
baseline
▲ 0.50% · 4.625%
HK$108,579
+HK$5,436/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$206,286/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,093
−HK$7,092/mo
▼ 0.25% · 3.875%
HK$116,611
−HK$3,574/mo
Today · 4.125%
HK$120,185
baseline
▲ 0.50% · 4.625%
HK$127,498
+HK$7,313/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$240,370/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,815
−HK$6,797/mo
▼ 0.25% · 3.875%
HK$129,189
−HK$3,423/mo
Today · 4.125%
HK$132,612
baseline
▲ 0.50% · 4.625%
HK$139,602
+HK$6,990/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$265,224/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,029 · Scale 2, in force from 26 Feb 2026)