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$62,809
−HK$3,939/mo
▼ 0.25% · 3.875%
HK$64,763
−HK$1,985/mo
Today · 4.125%
HK$66,748
baseline
▲ 0.50% · 4.625%
HK$70,810
+HK$4,062/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$133,496/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,875
−HK$3,775/mo
▼ 0.25% · 3.875%
HK$71,749
−HK$1,901/mo
Today · 4.125%
HK$73,650
baseline
▲ 0.50% · 4.625%
HK$77,532
+HK$3,882/mo
Deposit HK$13.77M · loan HK$13.77M · min. income ≈ HK$147,300/mo (50% DSR)
Upfront cash ≈ HK$14.94M (deposit + AVD stamp duty HK$1,170,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,371
−HK$4,727/mo
▼ 0.25% · 3.875%
HK$77,716
−HK$2,382/mo
Today · 4.125%
HK$80,098
baseline
▲ 0.50% · 4.625%
HK$84,971
+HK$4,873/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$160,196/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,850
−HK$4,530/mo
▼ 0.25% · 3.875%
HK$86,099
−HK$2,281/mo
Today · 4.125%
HK$88,380
baseline
▲ 0.50% · 4.625%
HK$93,038
+HK$4,658/mo
Deposit HK$11.02M · loan HK$16.53M · min. income ≈ HK$176,760/mo (50% DSR)
Upfront cash ≈ HK$12.19M (deposit + AVD stamp duty HK$1,170,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,933
−HK$5,514/mo
▼ 0.25% · 3.875%
HK$90,668
−HK$2,779/mo
Today · 4.125%
HK$93,447
baseline
▲ 0.50% · 4.625%
HK$99,133
+HK$5,686/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$186,894/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,825
−HK$5,285/mo
▼ 0.25% · 3.875%
HK$100,448
−HK$2,662/mo
Today · 4.125%
HK$103,110
baseline
▲ 0.50% · 4.625%
HK$108,545
+HK$5,435/mo
Deposit HK$8.26M · loan HK$19.28M · min. income ≈ HK$206,220/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,170,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,057
−HK$7,089/mo
▼ 0.25% · 3.875%
HK$116,574
−HK$3,572/mo
Today · 4.125%
HK$120,146
baseline
▲ 0.50% · 4.625%
HK$127,457
+HK$7,311/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$240,292/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,775
−HK$6,795/mo
▼ 0.25% · 3.875%
HK$129,148
−HK$3,422/mo
Today · 4.125%
HK$132,570
baseline
▲ 0.50% · 4.625%
HK$139,558
+HK$6,988/mo
Deposit HK$2.75M · loan HK$24.79M · min. income ≈ HK$265,140/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,170,657 · Scale 2, in force from 26 Feb 2026)