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$62,754
−HK$3,935/mo
▼ 0.25% · 3.875%
HK$64,706
−HK$1,983/mo
Today · 4.125%
HK$66,689
baseline
▲ 0.50% · 4.625%
HK$70,747
+HK$4,058/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$133,378/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,813
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,686
−HK$1,899/mo
Today · 4.125%
HK$73,585
baseline
▲ 0.50% · 4.625%
HK$77,464
+HK$3,879/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$147,170/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,305
−HK$4,722/mo
▼ 0.25% · 3.875%
HK$77,647
−HK$2,380/mo
Today · 4.125%
HK$80,027
baseline
▲ 0.50% · 4.625%
HK$84,896
+HK$4,869/mo
Deposit HK$11.01M · loan HK$16.51M · min. income ≈ HK$160,054/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,169,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,776
−HK$4,526/mo
▼ 0.25% · 3.875%
HK$86,023
−HK$2,279/mo
Today · 4.125%
HK$88,302
baseline
▲ 0.50% · 4.625%
HK$92,956
+HK$4,654/mo
Deposit HK$11.01M · loan HK$16.51M · min. income ≈ HK$176,604/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,169,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,856
−HK$5,509/mo
▼ 0.25% · 3.875%
HK$90,588
−HK$2,777/mo
Today · 4.125%
HK$93,365
baseline
▲ 0.50% · 4.625%
HK$99,046
+HK$5,681/mo
Deposit HK$8.26M · loan HK$19.26M · min. income ≈ HK$186,730/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,169,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,738
−HK$5,281/mo
▼ 0.25% · 3.875%
HK$100,360
−HK$2,659/mo
Today · 4.125%
HK$103,019
baseline
▲ 0.50% · 4.625%
HK$108,449
+HK$5,430/mo
Deposit HK$8.26M · loan HK$19.26M · min. income ≈ HK$206,038/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,169,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,957
−HK$7,084/mo
▼ 0.25% · 3.875%
HK$116,471
−HK$3,570/mo
Today · 4.125%
HK$120,041
baseline
▲ 0.50% · 4.625%
HK$127,345
+HK$7,304/mo
Deposit HK$2.75M · loan HK$24.77M · min. income ≈ HK$240,082/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,664
−HK$6,789/mo
▼ 0.25% · 3.875%
HK$129,034
−HK$3,419/mo
Today · 4.125%
HK$132,453
baseline
▲ 0.50% · 4.625%
HK$139,435
+HK$6,982/mo
Deposit HK$2.75M · loan HK$24.77M · min. income ≈ HK$264,906/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,625 · Scale 2, in force from 26 Feb 2026)