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$62,837
−HK$3,940/mo
▼ 0.25% · 3.875%
HK$64,791
−HK$1,986/mo
Today · 4.125%
HK$66,777
baseline
▲ 0.50% · 4.625%
HK$70,840
+HK$4,063/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,554/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,905
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,780
−HK$1,902/mo
Today · 4.125%
HK$73,682
baseline
▲ 0.50% · 4.625%
HK$77,566
+HK$3,884/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,364/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,404
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,750
−HK$2,383/mo
Today · 4.125%
HK$80,133
baseline
▲ 0.50% · 4.625%
HK$85,008
+HK$4,875/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,266/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,171,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,886
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$86,136
−HK$2,282/mo
Today · 4.125%
HK$88,418
baseline
▲ 0.50% · 4.625%
HK$93,079
+HK$4,661/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,836/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,171,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,971
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,708
−HK$2,780/mo
Today · 4.125%
HK$93,488
baseline
▲ 0.50% · 4.625%
HK$99,176
+HK$5,688/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$186,976/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,867
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$100,492
−HK$2,663/mo
Today · 4.125%
HK$103,155
baseline
▲ 0.50% · 4.625%
HK$108,592
+HK$5,437/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$206,310/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,106
−HK$7,093/mo
▼ 0.25% · 3.875%
HK$116,624
−HK$3,575/mo
Today · 4.125%
HK$120,199
baseline
▲ 0.50% · 4.625%
HK$127,513
+HK$7,314/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$240,398/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,829
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$129,204
−HK$3,424/mo
Today · 4.125%
HK$132,628
baseline
▲ 0.50% · 4.625%
HK$139,619
+HK$6,991/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$265,256/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,167 · Scale 2, in force from 26 Feb 2026)