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$62,943
−HK$3,947/mo
▼ 0.25% · 3.875%
HK$64,900
−HK$1,990/mo
Today · 4.125%
HK$66,890
baseline
▲ 0.50% · 4.625%
HK$70,960
+HK$4,070/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$133,780/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,173,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,023
−HK$3,783/mo
▼ 0.25% · 3.875%
HK$71,901
−HK$1,905/mo
Today · 4.125%
HK$73,806
baseline
▲ 0.50% · 4.625%
HK$77,696
+HK$3,890/mo
Deposit HK$13.80M · loan HK$13.80M · min. income ≈ HK$147,612/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,173,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,531
−HK$4,736/mo
▼ 0.25% · 3.875%
HK$77,880
−HK$2,387/mo
Today · 4.125%
HK$80,267
baseline
▲ 0.50% · 4.625%
HK$85,152
+HK$4,885/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$160,534/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,173,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,028
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$86,281
−HK$2,286/mo
Today · 4.125%
HK$88,567
baseline
▲ 0.50% · 4.625%
HK$93,236
+HK$4,669/mo
Deposit HK$11.04M · loan HK$16.56M · min. income ≈ HK$177,134/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,173,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,120
−HK$5,525/mo
▼ 0.25% · 3.875%
HK$90,861
−HK$2,784/mo
Today · 4.125%
HK$93,645
baseline
▲ 0.50% · 4.625%
HK$99,343
+HK$5,698/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$187,290/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,032
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$100,661
−HK$2,667/mo
Today · 4.125%
HK$103,328
baseline
▲ 0.50% · 4.625%
HK$108,775
+HK$5,447/mo
Deposit HK$8.28M · loan HK$19.32M · min. income ≈ HK$206,656/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,173,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,297
−HK$7,104/mo
▼ 0.25% · 3.875%
HK$116,821
−HK$3,580/mo
Today · 4.125%
HK$120,401
baseline
▲ 0.50% · 4.625%
HK$127,727
+HK$7,326/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$240,802/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,041
−HK$6,810/mo
▼ 0.25% · 3.875%
HK$129,422
−HK$3,429/mo
Today · 4.125%
HK$132,851
baseline
▲ 0.50% · 4.625%
HK$139,854
+HK$7,003/mo
Deposit HK$2.76M · loan HK$24.84M · min. income ≈ HK$265,702/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,139 · Scale 2, in force from 26 Feb 2026)