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$62,884
−HK$3,943/mo
▼ 0.25% · 3.875%
HK$64,840
−HK$1,987/mo
Today · 4.125%
HK$66,827
baseline
▲ 0.50% · 4.625%
HK$70,893
+HK$4,066/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,654/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,958
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,834
−HK$1,903/mo
Today · 4.125%
HK$73,737
baseline
▲ 0.50% · 4.625%
HK$77,624
+HK$3,887/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,474/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,460
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,808
−HK$2,385/mo
Today · 4.125%
HK$80,193
baseline
▲ 0.50% · 4.625%
HK$85,072
+HK$4,879/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$160,386/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,172,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,949
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,200
−HK$2,285/mo
Today · 4.125%
HK$88,485
baseline
▲ 0.50% · 4.625%
HK$93,149
+HK$4,664/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$176,970/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,172,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,037
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$90,776
−HK$2,782/mo
Today · 4.125%
HK$93,558
baseline
▲ 0.50% · 4.625%
HK$99,251
+HK$5,693/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$187,116/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,941
−HK$5,291/mo
▼ 0.25% · 3.875%
HK$100,567
−HK$2,665/mo
Today · 4.125%
HK$103,232
baseline
▲ 0.50% · 4.625%
HK$108,673
+HK$5,441/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$206,464/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,191
−HK$7,098/mo
▼ 0.25% · 3.875%
HK$116,712
−HK$3,577/mo
Today · 4.125%
HK$120,289
baseline
▲ 0.50% · 4.625%
HK$127,608
+HK$7,319/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$240,578/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,924
−HK$6,803/mo
▼ 0.25% · 3.875%
HK$129,301
−HK$3,426/mo
Today · 4.125%
HK$132,727
baseline
▲ 0.50% · 4.625%
HK$139,723
+HK$6,996/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$265,454/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,043 · Scale 2, in force from 26 Feb 2026)