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$62,893
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,850
−HK$1,987/mo
Today · 4.125%
HK$66,837
baseline
▲ 0.50% · 4.625%
HK$70,904
+HK$4,067/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,674/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,968
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,845
−HK$1,903/mo
Today · 4.125%
HK$73,748
baseline
▲ 0.50% · 4.625%
HK$77,636
+HK$3,888/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,496/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,472
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,820
−HK$2,385/mo
Today · 4.125%
HK$80,205
baseline
▲ 0.50% · 4.625%
HK$85,085
+HK$4,880/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$160,410/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,172,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,962
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,214
−HK$2,284/mo
Today · 4.125%
HK$88,498
baseline
▲ 0.50% · 4.625%
HK$93,163
+HK$4,665/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$176,996/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,172,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,051
−HK$5,521/mo
▼ 0.25% · 3.875%
HK$90,790
−HK$2,782/mo
Today · 4.125%
HK$93,572
baseline
▲ 0.50% · 4.625%
HK$99,266
+HK$5,694/mo
Deposit HK$8.27M · loan HK$19.31M · min. income ≈ HK$187,144/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,956
−HK$5,292/mo
▼ 0.25% · 3.875%
HK$100,583
−HK$2,665/mo
Today · 4.125%
HK$103,248
baseline
▲ 0.50% · 4.625%
HK$108,690
+HK$5,442/mo
Deposit HK$8.27M · loan HK$19.31M · min. income ≈ HK$206,496/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,208
−HK$7,099/mo
▼ 0.25% · 3.875%
HK$116,730
−HK$3,577/mo
Today · 4.125%
HK$120,307
baseline
▲ 0.50% · 4.625%
HK$127,628
+HK$7,321/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$240,614/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,943
−HK$6,804/mo
▼ 0.25% · 3.875%
HK$129,321
−HK$3,426/mo
Today · 4.125%
HK$132,747
baseline
▲ 0.50% · 4.625%
HK$139,744
+HK$6,997/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$265,494/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,223 · Scale 2, in force from 26 Feb 2026)