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$62,736
−HK$3,934/mo
▼ 0.25% · 3.875%
HK$64,687
−HK$1,983/mo
Today · 4.125%
HK$66,670
baseline
▲ 0.50% · 4.625%
HK$70,726
+HK$4,056/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$133,340/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,793
−HK$3,771/mo
▼ 0.25% · 3.875%
HK$71,665
−HK$1,899/mo
Today · 4.125%
HK$73,564
baseline
▲ 0.50% · 4.625%
HK$77,441
+HK$3,877/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$147,128/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,283
−HK$4,721/mo
▼ 0.25% · 3.875%
HK$77,625
−HK$2,379/mo
Today · 4.125%
HK$80,004
baseline
▲ 0.50% · 4.625%
HK$84,872
+HK$4,868/mo
Deposit HK$11.01M · loan HK$16.51M · min. income ≈ HK$160,008/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,169,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,751
−HK$4,525/mo
▼ 0.25% · 3.875%
HK$85,998
−HK$2,278/mo
Today · 4.125%
HK$88,276
baseline
▲ 0.50% · 4.625%
HK$92,929
+HK$4,653/mo
Deposit HK$11.01M · loan HK$16.51M · min. income ≈ HK$176,552/mo (50% DSR)
Upfront cash ≈ HK$12.17M (deposit + AVD stamp duty HK$1,169,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,830
−HK$5,508/mo
▼ 0.25% · 3.875%
HK$90,562
−HK$2,776/mo
Today · 4.125%
HK$93,338
baseline
▲ 0.50% · 4.625%
HK$99,017
+HK$5,679/mo
Deposit HK$8.25M · loan HK$19.26M · min. income ≈ HK$186,676/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,169,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,710
−HK$5,279/mo
▼ 0.25% · 3.875%
HK$100,330
−HK$2,659/mo
Today · 4.125%
HK$102,989
baseline
▲ 0.50% · 4.625%
HK$108,418
+HK$5,429/mo
Deposit HK$8.25M · loan HK$19.26M · min. income ≈ HK$205,978/mo (50% DSR)
Upfront cash ≈ HK$9.42M (deposit + AVD stamp duty HK$1,169,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,924
−HK$7,082/mo
▼ 0.25% · 3.875%
HK$116,437
−HK$3,569/mo
Today · 4.125%
HK$120,006
baseline
▲ 0.50% · 4.625%
HK$127,308
+HK$7,302/mo
Deposit HK$2.75M · loan HK$24.76M · min. income ≈ HK$240,012/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,627
−HK$6,787/mo
▼ 0.25% · 3.875%
HK$128,996
−HK$3,418/mo
Today · 4.125%
HK$132,414
baseline
▲ 0.50% · 4.625%
HK$139,394
+HK$6,980/mo
Deposit HK$2.75M · loan HK$24.76M · min. income ≈ HK$264,828/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,284 · Scale 2, in force from 26 Feb 2026)