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$62,976
−HK$3,949/mo
▼ 0.25% · 3.875%
HK$64,935
−HK$1,990/mo
Today · 4.125%
HK$66,925
baseline
▲ 0.50% · 4.625%
HK$70,998
+HK$4,073/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,850/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,061
−HK$3,785/mo
▼ 0.25% · 3.875%
HK$71,939
−HK$1,907/mo
Today · 4.125%
HK$73,846
baseline
▲ 0.50% · 4.625%
HK$77,738
+HK$3,892/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,692/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,572
−HK$4,739/mo
▼ 0.25% · 3.875%
HK$77,922
−HK$2,389/mo
Today · 4.125%
HK$80,311
baseline
▲ 0.50% · 4.625%
HK$85,197
+HK$4,886/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,622/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,073
−HK$4,542/mo
▼ 0.25% · 3.875%
HK$86,327
−HK$2,288/mo
Today · 4.125%
HK$88,615
baseline
▲ 0.50% · 4.625%
HK$93,286
+HK$4,671/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,230/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,167
−HK$5,529/mo
▼ 0.25% · 3.875%
HK$90,909
−HK$2,787/mo
Today · 4.125%
HK$93,696
baseline
▲ 0.50% · 4.625%
HK$99,397
+HK$5,701/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$187,392/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,085
−HK$5,299/mo
▼ 0.25% · 3.875%
HK$100,715
−HK$2,669/mo
Today · 4.125%
HK$103,384
baseline
▲ 0.50% · 4.625%
HK$108,833
+HK$5,449/mo
Deposit HK$8.29M · loan HK$19.33M · min. income ≈ HK$206,768/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,357
−HK$7,109/mo
▼ 0.25% · 3.875%
HK$116,883
−HK$3,583/mo
Today · 4.125%
HK$120,466
baseline
▲ 0.50% · 4.625%
HK$127,796
+HK$7,330/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$240,932/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,109
−HK$6,813/mo
▼ 0.25% · 3.875%
HK$129,491
−HK$3,431/mo
Today · 4.125%
HK$132,922
baseline
▲ 0.50% · 4.625%
HK$139,929
+HK$7,007/mo
Deposit HK$2.76M · loan HK$24.86M · min. income ≈ HK$265,844/mo (50% DSR)
Upfront cash ≈ HK$3.94M (deposit + AVD stamp duty HK$1,173,769 · Scale 2, in force from 26 Feb 2026)