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$62,484
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,428
−HK$1,974/mo
Today · 4.125%
HK$66,402
baseline
▲ 0.50% · 4.625%
HK$70,443
+HK$4,041/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,804/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,513
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,377
−HK$1,891/mo
Today · 4.125%
HK$73,268
baseline
▲ 0.50% · 4.625%
HK$77,131
+HK$3,863/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,536/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,981
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,313
−HK$2,370/mo
Today · 4.125%
HK$79,683
baseline
▲ 0.50% · 4.625%
HK$84,531
+HK$4,848/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,366/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,415
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,653
−HK$2,269/mo
Today · 4.125%
HK$87,922
baseline
▲ 0.50% · 4.625%
HK$92,557
+HK$4,635/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,844/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,478
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$90,199
−HK$2,764/mo
Today · 4.125%
HK$92,963
baseline
▲ 0.50% · 4.625%
HK$98,620
+HK$5,657/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$185,926/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,318
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$99,928
−HK$2,648/mo
Today · 4.125%
HK$102,576
baseline
▲ 0.50% · 4.625%
HK$107,983
+HK$5,407/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$205,152/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,471
−HK$7,053/mo
▼ 0.25% · 3.875%
HK$115,970
−HK$3,554/mo
Today · 4.125%
HK$119,524
baseline
▲ 0.50% · 4.625%
HK$126,797
+HK$7,273/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$239,048/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,123
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$128,479
−HK$3,404/mo
Today · 4.125%
HK$131,883
baseline
▲ 0.50% · 4.625%
HK$138,835
+HK$6,952/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$263,766/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,594 · Scale 2, in force from 26 Feb 2026)