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$63,027
−HK$3,953/mo
▼ 0.25% · 3.875%
HK$64,988
−HK$1,992/mo
Today · 4.125%
HK$66,980
baseline
▲ 0.50% · 4.625%
HK$71,055
+HK$4,075/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$133,960/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,117
−HK$3,789/mo
▼ 0.25% · 3.875%
HK$71,998
−HK$1,908/mo
Today · 4.125%
HK$73,906
baseline
▲ 0.50% · 4.625%
HK$77,801
+HK$3,895/mo
Deposit HK$13.82M · loan HK$13.82M · min. income ≈ HK$147,812/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,174,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,633
−HK$4,743/mo
▼ 0.25% · 3.875%
HK$77,986
−HK$2,390/mo
Today · 4.125%
HK$80,376
baseline
▲ 0.50% · 4.625%
HK$85,266
+HK$4,890/mo
Deposit HK$11.06M · loan HK$16.58M · min. income ≈ HK$160,752/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,141
−HK$4,546/mo
▼ 0.25% · 3.875%
HK$86,398
−HK$2,289/mo
Today · 4.125%
HK$88,687
baseline
▲ 0.50% · 4.625%
HK$93,362
+HK$4,675/mo
Deposit HK$11.06M · loan HK$16.58M · min. income ≈ HK$177,374/mo (50% DSR)
Upfront cash ≈ HK$12.23M (deposit + AVD stamp duty HK$1,174,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,238
−HK$5,534/mo
▼ 0.25% · 3.875%
HK$90,983
−HK$2,789/mo
Today · 4.125%
HK$93,772
baseline
▲ 0.50% · 4.625%
HK$99,478
+HK$5,706/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$187,544/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,164
−HK$5,304/mo
▼ 0.25% · 3.875%
HK$100,797
−HK$2,671/mo
Today · 4.125%
HK$103,468
baseline
▲ 0.50% · 4.625%
HK$108,922
+HK$5,454/mo
Deposit HK$8.29M · loan HK$19.35M · min. income ≈ HK$206,936/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$1,174,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,449
−HK$7,115/mo
▼ 0.25% · 3.875%
HK$116,978
−HK$3,586/mo
Today · 4.125%
HK$120,564
baseline
▲ 0.50% · 4.625%
HK$127,900
+HK$7,336/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$241,128/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,211
−HK$6,819/mo
▼ 0.25% · 3.875%
HK$129,596
−HK$3,434/mo
Today · 4.125%
HK$133,030
baseline
▲ 0.50% · 4.625%
HK$140,042
+HK$7,012/mo
Deposit HK$2.76M · loan HK$24.88M · min. income ≈ HK$266,060/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,174,722 · Scale 2, in force from 26 Feb 2026)