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$62,882
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,838
−HK$1,987/mo
Today · 4.125%
HK$66,825
baseline
▲ 0.50% · 4.625%
HK$70,891
+HK$4,066/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,650/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,955
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,832
−HK$1,903/mo
Today · 4.125%
HK$73,735
baseline
▲ 0.50% · 4.625%
HK$77,622
+HK$3,887/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,470/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,458
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,805
−HK$2,385/mo
Today · 4.125%
HK$80,190
baseline
▲ 0.50% · 4.625%
HK$85,070
+HK$4,880/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$160,380/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,172,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,947
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,198
−HK$2,284/mo
Today · 4.125%
HK$88,482
baseline
▲ 0.50% · 4.625%
HK$93,146
+HK$4,664/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$176,964/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,172,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,035
−HK$5,520/mo
▼ 0.25% · 3.875%
HK$90,773
−HK$2,782/mo
Today · 4.125%
HK$93,555
baseline
▲ 0.50% · 4.625%
HK$99,248
+HK$5,693/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$187,110/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,938
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$100,564
−HK$2,665/mo
Today · 4.125%
HK$103,229
baseline
▲ 0.50% · 4.625%
HK$108,670
+HK$5,441/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$206,458/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,187
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$116,708
−HK$3,577/mo
Today · 4.125%
HK$120,285
baseline
▲ 0.50% · 4.625%
HK$127,604
+HK$7,319/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$240,570/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,920
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$129,297
−HK$3,426/mo
Today · 4.125%
HK$132,723
baseline
▲ 0.50% · 4.625%
HK$139,719
+HK$6,996/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$265,446/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,009 · Scale 2, in force from 26 Feb 2026)