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$62,613
−HK$3,926/mo
▼ 0.25% · 3.875%
HK$64,560
−HK$1,979/mo
Today · 4.125%
HK$66,539
baseline
▲ 0.50% · 4.625%
HK$70,588
+HK$4,049/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$133,078/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,166,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,656
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,524
−HK$1,895/mo
Today · 4.125%
HK$73,419
baseline
▲ 0.50% · 4.625%
HK$77,289
+HK$3,870/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$146,838/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,166,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,135
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$77,472
−HK$2,375/mo
Today · 4.125%
HK$79,847
baseline
▲ 0.50% · 4.625%
HK$84,705
+HK$4,858/mo
Deposit HK$10.98M · loan HK$16.48M · min. income ≈ HK$159,694/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,587
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$85,829
−HK$2,274/mo
Today · 4.125%
HK$88,103
baseline
▲ 0.50% · 4.625%
HK$92,747
+HK$4,644/mo
Deposit HK$10.98M · loan HK$16.48M · min. income ≈ HK$176,206/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,658
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,384
−HK$2,771/mo
Today · 4.125%
HK$93,155
baseline
▲ 0.50% · 4.625%
HK$98,823
+HK$5,668/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$186,310/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,518
−HK$5,269/mo
▼ 0.25% · 3.875%
HK$100,134
−HK$2,653/mo
Today · 4.125%
HK$102,787
baseline
▲ 0.50% · 4.625%
HK$108,205
+HK$5,418/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$205,574/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,703
−HK$7,067/mo
▼ 0.25% · 3.875%
HK$116,209
−HK$3,561/mo
Today · 4.125%
HK$119,770
baseline
▲ 0.50% · 4.625%
HK$127,058
+HK$7,288/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$239,540/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,381
−HK$6,774/mo
▼ 0.25% · 3.875%
HK$128,743
−HK$3,412/mo
Today · 4.125%
HK$132,155
baseline
▲ 0.50% · 4.625%
HK$139,121
+HK$6,966/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$264,310/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,992 · Scale 2, in force from 26 Feb 2026)