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$62,921
−HK$3,946/mo
▼ 0.25% · 3.875%
HK$64,879
−HK$1,988/mo
Today · 4.125%
HK$66,867
baseline
▲ 0.50% · 4.625%
HK$70,936
+HK$4,069/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,734/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,999
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,877
−HK$1,904/mo
Today · 4.125%
HK$73,781
baseline
▲ 0.50% · 4.625%
HK$77,670
+HK$3,889/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,562/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,506
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,854
−HK$2,386/mo
Today · 4.125%
HK$80,240
baseline
▲ 0.50% · 4.625%
HK$85,123
+HK$4,883/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,480/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,999
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$86,252
−HK$2,285/mo
Today · 4.125%
HK$88,537
baseline
▲ 0.50% · 4.625%
HK$93,204
+HK$4,667/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,074/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,090
−HK$5,524/mo
▼ 0.25% · 3.875%
HK$90,830
−HK$2,784/mo
Today · 4.125%
HK$93,614
baseline
▲ 0.50% · 4.625%
HK$99,310
+HK$5,696/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,228/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,999
−HK$5,295/mo
▼ 0.25% · 3.875%
HK$100,627
−HK$2,667/mo
Today · 4.125%
HK$103,294
baseline
▲ 0.50% · 4.625%
HK$108,738
+HK$5,444/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,588/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,258
−HK$7,103/mo
▼ 0.25% · 3.875%
HK$116,781
−HK$3,580/mo
Today · 4.125%
HK$120,361
baseline
▲ 0.50% · 4.625%
HK$127,684
+HK$7,323/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$240,722/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,999
−HK$6,807/mo
▼ 0.25% · 3.875%
HK$129,378
−HK$3,428/mo
Today · 4.125%
HK$132,806
baseline
▲ 0.50% · 4.625%
HK$139,806
+HK$7,000/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$265,612/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,744 · Scale 2, in force from 26 Feb 2026)