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$62,966
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,924
−HK$1,990/mo
Today · 4.125%
HK$66,914
baseline
▲ 0.50% · 4.625%
HK$70,986
+HK$4,072/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,828/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,049
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,927
−HK$1,906/mo
Today · 4.125%
HK$73,833
baseline
▲ 0.50% · 4.625%
HK$77,725
+HK$3,892/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,666/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,559
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,909
−HK$2,388/mo
Today · 4.125%
HK$80,297
baseline
▲ 0.50% · 4.625%
HK$85,183
+HK$4,886/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,594/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,058
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,313
−HK$2,287/mo
Today · 4.125%
HK$88,600
baseline
▲ 0.50% · 4.625%
HK$93,270
+HK$4,670/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,200/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,152
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,894
−HK$2,786/mo
Today · 4.125%
HK$93,680
baseline
▲ 0.50% · 4.625%
HK$99,380
+HK$5,700/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$187,360/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,068
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$100,698
−HK$2,668/mo
Today · 4.125%
HK$103,366
baseline
▲ 0.50% · 4.625%
HK$108,815
+HK$5,449/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$206,732/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,338
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$116,864
−HK$3,582/mo
Today · 4.125%
HK$120,446
baseline
▲ 0.50% · 4.625%
HK$127,774
+HK$7,328/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$240,892/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,088
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$129,469
−HK$3,431/mo
Today · 4.125%
HK$132,900
baseline
▲ 0.50% · 4.625%
HK$139,905
+HK$7,005/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$265,800/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,571 · Scale 2, in force from 26 Feb 2026)