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$62,940
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,898
−HK$1,989/mo
Today · 4.125%
HK$66,887
baseline
▲ 0.50% · 4.625%
HK$70,957
+HK$4,070/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,774/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,173,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,020
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,898
−HK$1,905/mo
Today · 4.125%
HK$73,803
baseline
▲ 0.50% · 4.625%
HK$77,693
+HK$3,890/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,606/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,173,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,528
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,877
−HK$2,387/mo
Today · 4.125%
HK$80,264
baseline
▲ 0.50% · 4.625%
HK$85,148
+HK$4,884/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,528/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,173,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,024
−HK$4,540/mo
▼ 0.25% · 3.875%
HK$86,278
−HK$2,286/mo
Today · 4.125%
HK$88,564
baseline
▲ 0.50% · 4.625%
HK$93,232
+HK$4,668/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,128/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,173,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,116
−HK$5,526/mo
▼ 0.25% · 3.875%
HK$90,857
−HK$2,785/mo
Today · 4.125%
HK$93,642
baseline
▲ 0.50% · 4.625%
HK$99,340
+HK$5,698/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,284/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,028
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$100,657
−HK$2,667/mo
Today · 4.125%
HK$103,324
baseline
▲ 0.50% · 4.625%
HK$108,771
+HK$5,447/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,648/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,292
−HK$7,105/mo
▼ 0.25% · 3.875%
HK$116,816
−HK$3,581/mo
Today · 4.125%
HK$120,397
baseline
▲ 0.50% · 4.625%
HK$127,722
+HK$7,325/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$240,794/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,036
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$129,417
−HK$3,429/mo
Today · 4.125%
HK$132,846
baseline
▲ 0.50% · 4.625%
HK$139,848
+HK$7,002/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$265,692/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,094 · Scale 2, in force from 26 Feb 2026)