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$62,951
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,909
−HK$1,989/mo
Today · 4.125%
HK$66,898
baseline
▲ 0.50% · 4.625%
HK$70,969
+HK$4,071/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,796/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,032
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,910
−HK$1,906/mo
Today · 4.125%
HK$73,816
baseline
▲ 0.50% · 4.625%
HK$77,707
+HK$3,891/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,632/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,541
−HK$4,737/mo
▼ 0.25% · 3.875%
HK$77,891
−HK$2,387/mo
Today · 4.125%
HK$80,278
baseline
▲ 0.50% · 4.625%
HK$85,163
+HK$4,885/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,556/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,039
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,293
−HK$2,286/mo
Today · 4.125%
HK$88,579
baseline
▲ 0.50% · 4.625%
HK$93,248
+HK$4,669/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,158/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,131
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$90,873
−HK$2,785/mo
Today · 4.125%
HK$93,658
baseline
▲ 0.50% · 4.625%
HK$99,357
+HK$5,699/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,316/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,045
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,675
−HK$2,667/mo
Today · 4.125%
HK$103,342
baseline
▲ 0.50% · 4.625%
HK$108,790
+HK$5,448/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,684/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,312
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$116,836
−HK$3,581/mo
Today · 4.125%
HK$120,417
baseline
▲ 0.50% · 4.625%
HK$127,744
+HK$7,327/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$240,834/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,058
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$129,439
−HK$3,430/mo
Today · 4.125%
HK$132,869
baseline
▲ 0.50% · 4.625%
HK$139,872
+HK$7,003/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$265,738/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,295 · Scale 2, in force from 26 Feb 2026)