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$63,034
−HK$3,952/mo
▼ 0.25% · 3.875%
HK$64,994
−HK$1,992/mo
Today · 4.125%
HK$66,986
baseline
▲ 0.50% · 4.625%
HK$71,062
+HK$4,076/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$133,972/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,174,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,124
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$72,005
−HK$1,908/mo
Today · 4.125%
HK$73,913
baseline
▲ 0.50% · 4.625%
HK$77,809
+HK$3,896/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$147,826/mo (50% DSR)
Upfront cash ≈ HK$15.00M (deposit + AVD stamp duty HK$1,174,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,640
−HK$4,744/mo
▼ 0.25% · 3.875%
HK$77,993
−HK$2,391/mo
Today · 4.125%
HK$80,384
baseline
▲ 0.50% · 4.625%
HK$85,275
+HK$4,891/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$160,768/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,149
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,406
−HK$2,289/mo
Today · 4.125%
HK$88,695
baseline
▲ 0.50% · 4.625%
HK$93,371
+HK$4,676/mo
Deposit HK$11.06M · loan HK$16.59M · min. income ≈ HK$177,390/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,247
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$90,992
−HK$2,789/mo
Today · 4.125%
HK$93,781
baseline
▲ 0.50% · 4.625%
HK$99,487
+HK$5,706/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$187,562/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,174
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,807
−HK$2,671/mo
Today · 4.125%
HK$103,478
baseline
▲ 0.50% · 4.625%
HK$108,932
+HK$5,454/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$206,956/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,460
−HK$7,115/mo
▼ 0.25% · 3.875%
HK$116,990
−HK$3,585/mo
Today · 4.125%
HK$120,575
baseline
▲ 0.50% · 4.625%
HK$127,912
+HK$7,337/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$241,150/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,224
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$129,609
−HK$3,434/mo
Today · 4.125%
HK$133,043
baseline
▲ 0.50% · 4.625%
HK$140,056
+HK$7,013/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$266,086/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,836 · Scale 2, in force from 26 Feb 2026)