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$62,909
−HK$3,945/mo
▼ 0.25% · 3.875%
HK$64,866
−HK$1,988/mo
Today · 4.125%
HK$66,854
baseline
▲ 0.50% · 4.625%
HK$70,922
+HK$4,068/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,708/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,985
−HK$3,782/mo
▼ 0.25% · 3.875%
HK$71,862
−HK$1,905/mo
Today · 4.125%
HK$73,767
baseline
▲ 0.50% · 4.625%
HK$77,655
+HK$3,888/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,534/mo (50% DSR)
Upfront cash ≈ HK$14.97M (deposit + AVD stamp duty HK$1,172,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,491
−HK$4,734/mo
▼ 0.25% · 3.875%
HK$77,839
−HK$2,386/mo
Today · 4.125%
HK$80,225
baseline
▲ 0.50% · 4.625%
HK$85,106
+HK$4,881/mo
Deposit HK$11.04M · loan HK$16.55M · min. income ≈ HK$160,450/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,983
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,235
−HK$2,285/mo
Today · 4.125%
HK$88,520
baseline
▲ 0.50% · 4.625%
HK$93,186
+HK$4,666/mo
Deposit HK$11.04M · loan HK$16.55M · min. income ≈ HK$177,040/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,072
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,812
−HK$2,783/mo
Today · 4.125%
HK$93,595
baseline
▲ 0.50% · 4.625%
HK$99,290
+HK$5,695/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$187,190/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,980
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,607
−HK$2,666/mo
Today · 4.125%
HK$103,273
baseline
▲ 0.50% · 4.625%
HK$108,717
+HK$5,444/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$206,546/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,236
−HK$7,101/mo
▼ 0.25% · 3.875%
HK$116,758
−HK$3,579/mo
Today · 4.125%
HK$120,337
baseline
▲ 0.50% · 4.625%
HK$127,659
+HK$7,322/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$240,674/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,511 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,974
−HK$6,806/mo
▼ 0.25% · 3.875%
HK$129,352
−HK$3,428/mo
Today · 4.125%
HK$132,780
baseline
▲ 0.50% · 4.625%
HK$139,779
+HK$6,999/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$265,560/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,511 · Scale 2, in force from 26 Feb 2026)