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$62,566
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,512
−HK$1,977/mo
Today · 4.125%
HK$66,489
baseline
▲ 0.50% · 4.625%
HK$70,535
+HK$4,046/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$132,978/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,604
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,471
−HK$1,893/mo
Today · 4.125%
HK$73,364
baseline
▲ 0.50% · 4.625%
HK$77,232
+HK$3,868/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,728/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,079
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,415
−HK$2,372/mo
Today · 4.125%
HK$79,787
baseline
▲ 0.50% · 4.625%
HK$84,642
+HK$4,855/mo
Deposit HK$10.98M · loan HK$16.46M · min. income ≈ HK$159,574/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,525
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,765
−HK$2,272/mo
Today · 4.125%
HK$88,037
baseline
▲ 0.50% · 4.625%
HK$92,678
+HK$4,641/mo
Deposit HK$10.98M · loan HK$16.46M · min. income ≈ HK$176,074/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,592
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$90,317
−HK$2,768/mo
Today · 4.125%
HK$93,085
baseline
▲ 0.50% · 4.625%
HK$98,749
+HK$5,664/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$186,170/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,446
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,059
−HK$2,651/mo
Today · 4.125%
HK$102,710
baseline
▲ 0.50% · 4.625%
HK$108,124
+HK$5,414/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$205,420/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,619
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$116,122
−HK$3,559/mo
Today · 4.125%
HK$119,681
baseline
▲ 0.50% · 4.625%
HK$126,963
+HK$7,282/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$239,362/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,287
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$128,647
−HK$3,409/mo
Today · 4.125%
HK$132,056
baseline
▲ 0.50% · 4.625%
HK$139,017
+HK$6,961/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$264,112/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,120 · Scale 2, in force from 26 Feb 2026)