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$62,897
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,853
−HK$1,988/mo
Today · 4.125%
HK$66,841
baseline
▲ 0.50% · 4.625%
HK$70,908
+HK$4,067/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,682/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,972
−HK$3,781/mo
▼ 0.25% · 3.875%
HK$71,849
−HK$1,904/mo
Today · 4.125%
HK$73,753
baseline
▲ 0.50% · 4.625%
HK$77,640
+HK$3,887/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,506/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,476
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,824
−HK$2,385/mo
Today · 4.125%
HK$80,209
baseline
▲ 0.50% · 4.625%
HK$85,090
+HK$4,881/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$160,418/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,967
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$86,219
−HK$2,284/mo
Today · 4.125%
HK$88,503
baseline
▲ 0.50% · 4.625%
HK$93,168
+HK$4,665/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$177,006/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,056
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,795
−HK$2,783/mo
Today · 4.125%
HK$93,578
baseline
▲ 0.50% · 4.625%
HK$99,272
+HK$5,694/mo
Deposit HK$8.27M · loan HK$19.31M · min. income ≈ HK$187,156/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,961
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,588
−HK$2,666/mo
Today · 4.125%
HK$103,254
baseline
▲ 0.50% · 4.625%
HK$108,696
+HK$5,442/mo
Deposit HK$8.27M · loan HK$19.31M · min. income ≈ HK$206,508/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,215
−HK$7,099/mo
▼ 0.25% · 3.875%
HK$116,736
−HK$3,578/mo
Today · 4.125%
HK$120,314
baseline
▲ 0.50% · 4.625%
HK$127,635
+HK$7,321/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$240,628/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,950
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$129,328
−HK$3,427/mo
Today · 4.125%
HK$132,755
baseline
▲ 0.50% · 4.625%
HK$139,752
+HK$6,997/mo
Deposit HK$2.76M · loan HK$24.82M · min. income ≈ HK$265,510/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,290 · Scale 2, in force from 26 Feb 2026)