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$62,620
−HK$3,927/mo
▼ 0.25% · 3.875%
HK$64,568
−HK$1,979/mo
Today · 4.125%
HK$66,547
baseline
▲ 0.50% · 4.625%
HK$70,596
+HK$4,049/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$133,094/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,167,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,665
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,533
−HK$1,895/mo
Today · 4.125%
HK$73,428
baseline
▲ 0.50% · 4.625%
HK$77,299
+HK$3,871/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$146,856/mo (50% DSR)
Upfront cash ≈ HK$14.90M (deposit + AVD stamp duty HK$1,167,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,144
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,482
−HK$2,375/mo
Today · 4.125%
HK$79,857
baseline
▲ 0.50% · 4.625%
HK$84,716
+HK$4,859/mo
Deposit HK$10.98M · loan HK$16.48M · min. income ≈ HK$159,714/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,167,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,597
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,839
−HK$2,275/mo
Today · 4.125%
HK$88,114
baseline
▲ 0.50% · 4.625%
HK$92,759
+HK$4,645/mo
Deposit HK$10.98M · loan HK$16.48M · min. income ≈ HK$176,228/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,167,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,669
−HK$5,497/mo
▼ 0.25% · 3.875%
HK$90,396
−HK$2,770/mo
Today · 4.125%
HK$93,166
baseline
▲ 0.50% · 4.625%
HK$98,835
+HK$5,669/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$186,332/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,530
−HK$5,270/mo
▼ 0.25% · 3.875%
HK$100,146
−HK$2,654/mo
Today · 4.125%
HK$102,800
baseline
▲ 0.50% · 4.625%
HK$108,218
+HK$5,418/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$205,600/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,717
−HK$7,068/mo
▼ 0.25% · 3.875%
HK$116,223
−HK$3,562/mo
Today · 4.125%
HK$119,785
baseline
▲ 0.50% · 4.625%
HK$127,074
+HK$7,289/mo
Deposit HK$2.75M · loan HK$24.72M · min. income ≈ HK$239,570/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,167,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,396
−HK$6,775/mo
▼ 0.25% · 3.875%
HK$128,759
−HK$3,412/mo
Today · 4.125%
HK$132,171
baseline
▲ 0.50% · 4.625%
HK$139,138
+HK$6,967/mo
Deposit HK$2.75M · loan HK$24.72M · min. income ≈ HK$264,342/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,167,135 · Scale 2, in force from 26 Feb 2026)