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$62,772
−HK$3,937/mo
▼ 0.25% · 3.875%
HK$64,725
−HK$1,984/mo
Today · 4.125%
HK$66,709
baseline
▲ 0.50% · 4.625%
HK$70,768
+HK$4,059/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$133,418/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,834
−HK$3,772/mo
▼ 0.25% · 3.875%
HK$71,706
−HK$1,900/mo
Today · 4.125%
HK$73,606
baseline
▲ 0.50% · 4.625%
HK$77,486
+HK$3,880/mo
Deposit HK$13.76M · loan HK$13.76M · min. income ≈ HK$147,212/mo (50% DSR)
Upfront cash ≈ HK$14.93M (deposit + AVD stamp duty HK$1,169,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,327
−HK$4,723/mo
▼ 0.25% · 3.875%
HK$77,670
−HK$2,380/mo
Today · 4.125%
HK$80,050
baseline
▲ 0.50% · 4.625%
HK$84,921
+HK$4,871/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$160,100/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,169,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,800
−HK$4,528/mo
▼ 0.25% · 3.875%
HK$86,048
−HK$2,280/mo
Today · 4.125%
HK$88,328
baseline
▲ 0.50% · 4.625%
HK$92,984
+HK$4,656/mo
Deposit HK$11.01M · loan HK$16.52M · min. income ≈ HK$176,656/mo (50% DSR)
Upfront cash ≈ HK$12.18M (deposit + AVD stamp duty HK$1,169,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,881
−HK$5,511/mo
▼ 0.25% · 3.875%
HK$90,615
−HK$2,777/mo
Today · 4.125%
HK$93,392
baseline
▲ 0.50% · 4.625%
HK$99,075
+HK$5,683/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$186,784/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,169,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,767
−HK$5,282/mo
▼ 0.25% · 3.875%
HK$100,389
−HK$2,660/mo
Today · 4.125%
HK$103,049
baseline
▲ 0.50% · 4.625%
HK$108,481
+HK$5,432/mo
Deposit HK$8.26M · loan HK$19.27M · min. income ≈ HK$206,098/mo (50% DSR)
Upfront cash ≈ HK$9.43M (deposit + AVD stamp duty HK$1,169,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,990
−HK$7,086/mo
▼ 0.25% · 3.875%
HK$116,505
−HK$3,571/mo
Today · 4.125%
HK$120,076
baseline
▲ 0.50% · 4.625%
HK$127,382
+HK$7,306/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$240,152/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,700
−HK$6,792/mo
▼ 0.25% · 3.875%
HK$129,072
−HK$3,420/mo
Today · 4.125%
HK$132,492
baseline
▲ 0.50% · 4.625%
HK$139,475
+HK$6,983/mo
Deposit HK$2.75M · loan HK$24.78M · min. income ≈ HK$264,984/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,169,966 · Scale 2, in force from 26 Feb 2026)