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$62,872
−HK$3,942/mo
▼ 0.25% · 3.875%
HK$64,828
−HK$1,986/mo
Today · 4.125%
HK$66,814
baseline
▲ 0.50% · 4.625%
HK$70,880
+HK$4,066/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,628/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,171,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,944
−HK$3,779/mo
▼ 0.25% · 3.875%
HK$71,820
−HK$1,903/mo
Today · 4.125%
HK$73,723
baseline
▲ 0.50% · 4.625%
HK$77,609
+HK$3,886/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,446/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,171,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,446
−HK$4,731/mo
▼ 0.25% · 3.875%
HK$77,793
−HK$2,384/mo
Today · 4.125%
HK$80,177
baseline
▲ 0.50% · 4.625%
HK$85,056
+HK$4,879/mo
Deposit HK$11.03M · loan HK$16.54M · min. income ≈ HK$160,354/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,933
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$86,184
−HK$2,284/mo
Today · 4.125%
HK$88,468
baseline
▲ 0.50% · 4.625%
HK$93,131
+HK$4,663/mo
Deposit HK$11.03M · loan HK$16.54M · min. income ≈ HK$176,936/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,021
−HK$5,519/mo
▼ 0.25% · 3.875%
HK$90,759
−HK$2,781/mo
Today · 4.125%
HK$93,540
baseline
▲ 0.50% · 4.625%
HK$99,232
+HK$5,692/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$187,080/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,922
−HK$5,290/mo
▼ 0.25% · 3.875%
HK$100,548
−HK$2,664/mo
Today · 4.125%
HK$103,212
baseline
▲ 0.50% · 4.625%
HK$108,653
+HK$5,441/mo
Deposit HK$8.27M · loan HK$19.30M · min. income ≈ HK$206,424/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,169
−HK$7,097/mo
▼ 0.25% · 3.875%
HK$116,690
−HK$3,576/mo
Today · 4.125%
HK$120,266
baseline
▲ 0.50% · 4.625%
HK$127,584
+HK$7,318/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$240,532/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,900
−HK$6,802/mo
▼ 0.25% · 3.875%
HK$129,276
−HK$3,426/mo
Today · 4.125%
HK$132,702
baseline
▲ 0.50% · 4.625%
HK$139,697
+HK$6,995/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$265,404/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,822 · Scale 2, in force from 26 Feb 2026)