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$62,748
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,700
−HK$1,983/mo
Today · 4.125%
HK$66,683
baseline
▲ 0.50% · 4.625%
HK$70,741
+HK$4,058/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$133,366/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,807
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,679
−HK$1,899/mo
Today · 4.125%
HK$73,578
baseline
▲ 0.50% · 4.625%
HK$77,457
+HK$3,879/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$147,156/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,298
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,640
−HK$2,380/mo
Today · 4.125%
HK$80,020
baseline
▲ 0.50% · 4.625%
HK$84,889
+HK$4,869/mo
Deposit HK$11.01M · loan HK$16.51M · min. income ≈ HK$160,040/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,169,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,768
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$86,015
−HK$2,279/mo
Today · 4.125%
HK$88,294
baseline
▲ 0.50% · 4.625%
HK$92,948
+HK$4,654/mo
Deposit HK$11.01M · loan HK$16.51M · min. income ≈ HK$176,588/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,169,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,848
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$90,580
−HK$2,776/mo
Today · 4.125%
HK$93,356
baseline
▲ 0.50% · 4.625%
HK$99,037
+HK$5,681/mo
Deposit HK$8.26M · loan HK$19.26M · min. income ≈ HK$186,712/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,169,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,730
−HK$5,280/mo
▼ 0.25% · 3.875%
HK$100,351
−HK$2,659/mo
Today · 4.125%
HK$103,010
baseline
▲ 0.50% · 4.625%
HK$108,439
+HK$5,429/mo
Deposit HK$8.26M · loan HK$19.26M · min. income ≈ HK$206,020/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,169,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,947
−HK$7,083/mo
▼ 0.25% · 3.875%
HK$116,460
−HK$3,570/mo
Today · 4.125%
HK$120,030
baseline
▲ 0.50% · 4.625%
HK$127,333
+HK$7,303/mo
Deposit HK$2.75M · loan HK$24.77M · min. income ≈ HK$240,060/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,652
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$129,022
−HK$3,419/mo
Today · 4.125%
HK$132,441
baseline
▲ 0.50% · 4.625%
HK$139,422
+HK$6,981/mo
Deposit HK$2.75M · loan HK$24.77M · min. income ≈ HK$264,882/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,519 · Scale 2, in force from 26 Feb 2026)