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$1,173,713 · 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$1,173,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,568
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,919
−HK$2,388/mo
Today · 4.125%
HK$80,307
baseline
▲ 0.50% · 4.625%
HK$85,193
+HK$4,886/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,614/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,069
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,323
−HK$2,288/mo
Today · 4.125%
HK$88,611
baseline
▲ 0.50% · 4.625%
HK$93,281
+HK$4,670/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,222/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,163
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,905
−HK$2,786/mo
Today · 4.125%
HK$93,691
baseline
▲ 0.50% · 4.625%
HK$99,392
+HK$5,701/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$187,382/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,080
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,710
−HK$2,669/mo
Today · 4.125%
HK$103,379
baseline
▲ 0.50% · 4.625%
HK$108,828
+HK$5,449/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$206,758/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,352
−HK$7,108/mo
▼ 0.25% · 3.875%
HK$116,878
−HK$3,582/mo
Today · 4.125%
HK$120,460
baseline
▲ 0.50% · 4.625%
HK$127,790
+HK$7,330/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,920/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,103
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$129,485
−HK$3,431/mo
Today · 4.125%
HK$132,916
baseline
▲ 0.50% · 4.625%
HK$139,922
+HK$7,006/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,832/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,713 · Scale 2, in force from 26 Feb 2026)