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$62,908
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,865
−HK$1,988/mo
Today · 4.125%
HK$66,853
baseline
▲ 0.50% · 4.625%
HK$70,921
+HK$4,068/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,706/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,985
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,861
−HK$1,905/mo
Today · 4.125%
HK$73,766
baseline
▲ 0.50% · 4.625%
HK$77,654
+HK$3,888/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,532/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,490
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,838
−HK$2,385/mo
Today · 4.125%
HK$80,223
baseline
▲ 0.50% · 4.625%
HK$85,105
+HK$4,882/mo
Deposit HK$11.04M · loan HK$16.55M · min. income ≈ HK$160,446/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,981
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,234
−HK$2,285/mo
Today · 4.125%
HK$88,519
baseline
▲ 0.50% · 4.625%
HK$93,185
+HK$4,666/mo
Deposit HK$11.04M · loan HK$16.55M · min. income ≈ HK$177,038/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,071
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,811
−HK$2,783/mo
Today · 4.125%
HK$93,594
baseline
▲ 0.50% · 4.625%
HK$99,289
+HK$5,695/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$187,188/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,978
−HK$5,294/mo
▼ 0.25% · 3.875%
HK$100,606
−HK$2,666/mo
Today · 4.125%
HK$103,272
baseline
▲ 0.50% · 4.625%
HK$108,715
+HK$5,443/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$206,544/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,234
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$116,757
−HK$3,578/mo
Today · 4.125%
HK$120,335
baseline
▲ 0.50% · 4.625%
HK$127,657
+HK$7,322/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$240,670/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,972
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$129,351
−HK$3,427/mo
Today · 4.125%
HK$132,778
baseline
▲ 0.50% · 4.625%
HK$139,777
+HK$6,999/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$265,556/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,496 · Scale 2, in force from 26 Feb 2026)