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$62,843
−HK$3,941/mo
▼ 0.25% · 3.875%
HK$64,797
−HK$1,987/mo
Today · 4.125%
HK$66,784
baseline
▲ 0.50% · 4.625%
HK$70,847
+HK$4,063/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$133,568/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,912
−HK$3,777/mo
▼ 0.25% · 3.875%
HK$71,787
−HK$1,902/mo
Today · 4.125%
HK$73,689
baseline
▲ 0.50% · 4.625%
HK$77,573
+HK$3,884/mo
Deposit HK$13.78M · loan HK$13.78M · min. income ≈ HK$147,378/mo (50% DSR)
Upfront cash ≈ HK$14.95M (deposit + AVD stamp duty HK$1,171,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,411
−HK$4,729/mo
▼ 0.25% · 3.875%
HK$77,757
−HK$2,383/mo
Today · 4.125%
HK$80,140
baseline
▲ 0.50% · 4.625%
HK$85,017
+HK$4,877/mo
Deposit HK$11.02M · loan HK$16.54M · min. income ≈ HK$160,280/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,894
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$86,144
−HK$2,283/mo
Today · 4.125%
HK$88,427
baseline
▲ 0.50% · 4.625%
HK$93,088
+HK$4,661/mo
Deposit HK$11.02M · loan HK$16.54M · min. income ≈ HK$176,854/mo (50% DSR)
Upfront cash ≈ HK$12.20M (deposit + AVD stamp duty HK$1,171,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,980
−HK$5,517/mo
▼ 0.25% · 3.875%
HK$90,716
−HK$2,781/mo
Today · 4.125%
HK$93,497
baseline
▲ 0.50% · 4.625%
HK$99,186
+HK$5,689/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$186,994/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,877
−HK$5,288/mo
▼ 0.25% · 3.875%
HK$100,502
−HK$2,663/mo
Today · 4.125%
HK$103,165
baseline
▲ 0.50% · 4.625%
HK$108,603
+HK$5,438/mo
Deposit HK$8.27M · loan HK$19.29M · min. income ≈ HK$206,330/mo (50% DSR)
Upfront cash ≈ HK$9.44M (deposit + AVD stamp duty HK$1,171,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,117
−HK$7,093/mo
▼ 0.25% · 3.875%
HK$116,635
−HK$3,575/mo
Today · 4.125%
HK$120,210
baseline
▲ 0.50% · 4.625%
HK$127,525
+HK$7,315/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$240,420/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,841
−HK$6,799/mo
▼ 0.25% · 3.875%
HK$129,216
−HK$3,424/mo
Today · 4.125%
HK$132,640
baseline
▲ 0.50% · 4.625%
HK$139,632
+HK$6,992/mo
Deposit HK$2.76M · loan HK$24.80M · min. income ≈ HK$265,280/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,171,279 · Scale 2, in force from 26 Feb 2026)