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$62,910
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,867
−HK$1,988/mo
Today · 4.125%
HK$66,855
baseline
▲ 0.50% · 4.625%
HK$70,923
+HK$4,068/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,710/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,987
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,864
−HK$1,904/mo
Today · 4.125%
HK$73,768
baseline
▲ 0.50% · 4.625%
HK$77,657
+HK$3,889/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,536/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,492
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,841
−HK$2,385/mo
Today · 4.125%
HK$80,226
baseline
▲ 0.50% · 4.625%
HK$85,108
+HK$4,882/mo
Deposit HK$11.04M · loan HK$16.55M · min. income ≈ HK$160,452/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,985
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,237
−HK$2,285/mo
Today · 4.125%
HK$88,522
baseline
▲ 0.50% · 4.625%
HK$93,188
+HK$4,666/mo
Deposit HK$11.04M · loan HK$16.55M · min. income ≈ HK$177,044/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,074
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,814
−HK$2,784/mo
Today · 4.125%
HK$93,598
baseline
▲ 0.50% · 4.625%
HK$99,293
+HK$5,695/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$187,196/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,982
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,610
−HK$2,666/mo
Today · 4.125%
HK$103,276
baseline
▲ 0.50% · 4.625%
HK$108,719
+HK$5,443/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$206,552/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,239
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$116,761
−HK$3,579/mo
Today · 4.125%
HK$120,340
baseline
▲ 0.50% · 4.625%
HK$127,662
+HK$7,322/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$240,680/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,977
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$129,355
−HK$3,428/mo
Today · 4.125%
HK$132,783
baseline
▲ 0.50% · 4.625%
HK$139,782
+HK$6,999/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$265,566/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,539 · Scale 2, in force from 26 Feb 2026)