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$62,955
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,913
−HK$1,989/mo
Today · 4.125%
HK$66,902
baseline
▲ 0.50% · 4.625%
HK$70,973
+HK$4,071/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,804/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,036
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,915
−HK$1,905/mo
Today · 4.125%
HK$73,820
baseline
▲ 0.50% · 4.625%
HK$77,711
+HK$3,891/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,640/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,545
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,895
−HK$2,388/mo
Today · 4.125%
HK$80,283
baseline
▲ 0.50% · 4.625%
HK$85,168
+HK$4,885/mo
Deposit HK$11.04M · loan HK$16.57M · min. income ≈ HK$160,566/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,044
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,298
−HK$2,286/mo
Today · 4.125%
HK$88,584
baseline
▲ 0.50% · 4.625%
HK$93,254
+HK$4,670/mo
Deposit HK$11.04M · loan HK$16.57M · min. income ≈ HK$177,168/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,136
−HK$5,527/mo
▼ 0.25% · 3.875%
HK$90,878
−HK$2,785/mo
Today · 4.125%
HK$93,663
baseline
▲ 0.50% · 4.625%
HK$99,363
+HK$5,700/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$187,326/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,051
−HK$5,297/mo
▼ 0.25% · 3.875%
HK$100,681
−HK$2,667/mo
Today · 4.125%
HK$103,348
baseline
▲ 0.50% · 4.625%
HK$108,796
+HK$5,448/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$206,696/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,318
−HK$7,106/mo
▼ 0.25% · 3.875%
HK$116,843
−HK$3,581/mo
Today · 4.125%
HK$120,424
baseline
▲ 0.50% · 4.625%
HK$127,752
+HK$7,328/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$240,848/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,065
−HK$6,811/mo
▼ 0.25% · 3.875%
HK$129,446
−HK$3,430/mo
Today · 4.125%
HK$132,876
baseline
▲ 0.50% · 4.625%
HK$139,880
+HK$7,004/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$265,752/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,364 · Scale 2, in force from 26 Feb 2026)