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$62,883
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,839
−HK$1,987/mo
Today · 4.125%
HK$66,826
baseline
▲ 0.50% · 4.625%
HK$70,892
+HK$4,066/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,652/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,957
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,833
−HK$1,903/mo
Today · 4.125%
HK$73,736
baseline
▲ 0.50% · 4.625%
HK$77,623
+HK$3,887/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,472/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,459
−HK$4,732/mo
▼ 0.25% · 3.875%
HK$77,807
−HK$2,384/mo
Today · 4.125%
HK$80,191
baseline
▲ 0.50% · 4.625%
HK$85,071
+HK$4,880/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$160,382/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,172,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,948
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,199
−HK$2,284/mo
Today · 4.125%
HK$88,483
baseline
▲ 0.50% · 4.625%
HK$93,147
+HK$4,664/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$176,966/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,172,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,036
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$90,774
−HK$2,783/mo
Today · 4.125%
HK$93,557
baseline
▲ 0.50% · 4.625%
HK$99,249
+HK$5,692/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$187,114/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,939
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$100,566
−HK$2,665/mo
Today · 4.125%
HK$103,231
baseline
▲ 0.50% · 4.625%
HK$108,672
+HK$5,441/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$206,462/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,189
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$116,710
−HK$3,577/mo
Today · 4.125%
HK$120,287
baseline
▲ 0.50% · 4.625%
HK$127,606
+HK$7,319/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$240,574/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,922
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$129,299
−HK$3,426/mo
Today · 4.125%
HK$132,725
baseline
▲ 0.50% · 4.625%
HK$139,721
+HK$6,996/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$265,450/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,027 · Scale 2, in force from 26 Feb 2026)