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$62,926
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,883
−HK$1,989/mo
Today · 4.125%
HK$66,872
baseline
▲ 0.50% · 4.625%
HK$70,941
+HK$4,069/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,744/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,004
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,882
−HK$1,905/mo
Today · 4.125%
HK$73,787
baseline
▲ 0.50% · 4.625%
HK$77,676
+HK$3,889/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,574/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,511
−HK$4,735/mo
▼ 0.25% · 3.875%
HK$77,860
−HK$2,386/mo
Today · 4.125%
HK$80,246
baseline
▲ 0.50% · 4.625%
HK$85,129
+HK$4,883/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,492/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,005
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,258
−HK$2,286/mo
Today · 4.125%
HK$88,544
baseline
▲ 0.50% · 4.625%
HK$93,211
+HK$4,667/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,088/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,096
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,837
−HK$2,784/mo
Today · 4.125%
HK$93,621
baseline
▲ 0.50% · 4.625%
HK$99,317
+HK$5,696/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,242/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,006
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,635
−HK$2,666/mo
Today · 4.125%
HK$103,301
baseline
▲ 0.50% · 4.625%
HK$108,746
+HK$5,445/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,602/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,267
−HK$7,102/mo
▼ 0.25% · 3.875%
HK$116,790
−HK$3,579/mo
Today · 4.125%
HK$120,369
baseline
▲ 0.50% · 4.625%
HK$127,694
+HK$7,325/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$240,738/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,008
−HK$6,808/mo
▼ 0.25% · 3.875%
HK$129,387
−HK$3,429/mo
Today · 4.125%
HK$132,816
baseline
▲ 0.50% · 4.625%
HK$139,817
+HK$7,001/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$265,632/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,830 · Scale 2, in force from 26 Feb 2026)