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$62,973
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,932
−HK$1,990/mo
Today · 4.125%
HK$66,922
baseline
▲ 0.50% · 4.625%
HK$70,994
+HK$4,072/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,844/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,057
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,936
−HK$1,906/mo
Today · 4.125%
HK$73,842
baseline
▲ 0.50% · 4.625%
HK$77,734
+HK$3,892/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,684/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,567
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,918
−HK$2,388/mo
Today · 4.125%
HK$80,306
baseline
▲ 0.50% · 4.625%
HK$85,193
+HK$4,887/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,612/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,068
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,323
−HK$2,287/mo
Today · 4.125%
HK$88,610
baseline
▲ 0.50% · 4.625%
HK$93,281
+HK$4,671/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,220/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,162
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,904
−HK$2,787/mo
Today · 4.125%
HK$93,691
baseline
▲ 0.50% · 4.625%
HK$99,391
+HK$5,700/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$187,382/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,079
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,710
−HK$2,668/mo
Today · 4.125%
HK$103,378
baseline
▲ 0.50% · 4.625%
HK$108,827
+HK$5,449/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$206,756/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,351
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$116,877
−HK$3,582/mo
Today · 4.125%
HK$120,459
baseline
▲ 0.50% · 4.625%
HK$127,789
+HK$7,330/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$240,918/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,102
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$129,484
−HK$3,431/mo
Today · 4.125%
HK$132,915
baseline
▲ 0.50% · 4.625%
HK$139,921
+HK$7,006/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$265,830/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,705 · Scale 2, in force from 26 Feb 2026)