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$62,987
−HK$3,950/mo
▼ 0.25% · 3.875%
HK$64,947
−HK$1,990/mo
Today · 4.125%
HK$66,937
baseline
▲ 0.50% · 4.625%
HK$71,010
+HK$4,073/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,874/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,173,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,073
−HK$3,786/mo
▼ 0.25% · 3.875%
HK$71,952
−HK$1,907/mo
Today · 4.125%
HK$73,859
baseline
▲ 0.50% · 4.625%
HK$77,752
+HK$3,893/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,718/mo (50% DSR)
Upfront cash ≈ HK$14.99M (deposit + AVD stamp duty HK$1,173,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,585
−HK$4,740/mo
▼ 0.25% · 3.875%
HK$77,936
−HK$2,389/mo
Today · 4.125%
HK$80,325
baseline
▲ 0.50% · 4.625%
HK$85,212
+HK$4,887/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,650/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,087
−HK$4,543/mo
▼ 0.25% · 3.875%
HK$86,342
−HK$2,288/mo
Today · 4.125%
HK$88,630
baseline
▲ 0.50% · 4.625%
HK$93,302
+HK$4,672/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,260/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,182
−HK$5,530/mo
▼ 0.25% · 3.875%
HK$90,925
−HK$2,787/mo
Today · 4.125%
HK$93,712
baseline
▲ 0.50% · 4.625%
HK$99,414
+HK$5,702/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$187,424/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,102
−HK$5,300/mo
▼ 0.25% · 3.875%
HK$100,733
−HK$2,669/mo
Today · 4.125%
HK$103,402
baseline
▲ 0.50% · 4.625%
HK$108,852
+HK$5,450/mo
Deposit HK$8.29M · loan HK$19.34M · min. income ≈ HK$206,804/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,377
−HK$7,110/mo
▼ 0.25% · 3.875%
HK$116,904
−HK$3,583/mo
Today · 4.125%
HK$120,487
baseline
▲ 0.50% · 4.625%
HK$127,818
+HK$7,331/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,974/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,131
−HK$6,814/mo
▼ 0.25% · 3.875%
HK$129,514
−HK$3,431/mo
Today · 4.125%
HK$132,945
baseline
▲ 0.50% · 4.625%
HK$139,953
+HK$7,008/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,890/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,973 · Scale 2, in force from 26 Feb 2026)