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$62,901
−HK$3,944/mo
▼ 0.25% · 3.875%
HK$64,857
−HK$1,988/mo
Today · 4.125%
HK$66,845
baseline
▲ 0.50% · 4.625%
HK$70,913
+HK$4,068/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$133,690/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,977
−HK$3,780/mo
▼ 0.25% · 3.875%
HK$71,853
−HK$1,904/mo
Today · 4.125%
HK$73,757
baseline
▲ 0.50% · 4.625%
HK$77,645
+HK$3,888/mo
Deposit HK$13.79M · loan HK$13.79M · min. income ≈ HK$147,514/mo (50% DSR)
Upfront cash ≈ HK$14.96M (deposit + AVD stamp duty HK$1,172,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,481
−HK$4,733/mo
▼ 0.25% · 3.875%
HK$77,829
−HK$2,385/mo
Today · 4.125%
HK$80,214
baseline
▲ 0.50% · 4.625%
HK$85,095
+HK$4,881/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$160,428/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,972
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$86,224
−HK$2,285/mo
Today · 4.125%
HK$88,509
baseline
▲ 0.50% · 4.625%
HK$93,174
+HK$4,665/mo
Deposit HK$11.03M · loan HK$16.55M · min. income ≈ HK$177,018/mo (50% DSR)
Upfront cash ≈ HK$12.21M (deposit + AVD stamp duty HK$1,172,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,061
−HK$5,522/mo
▼ 0.25% · 3.875%
HK$90,800
−HK$2,783/mo
Today · 4.125%
HK$93,583
baseline
▲ 0.50% · 4.625%
HK$99,278
+HK$5,695/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$187,166/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,967
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,595
−HK$2,665/mo
Today · 4.125%
HK$103,260
baseline
▲ 0.50% · 4.625%
HK$108,703
+HK$5,443/mo
Deposit HK$8.28M · loan HK$19.31M · min. income ≈ HK$206,520/mo (50% DSR)
Upfront cash ≈ HK$9.45M (deposit + AVD stamp duty HK$1,172,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,221
−HK$7,100/mo
▼ 0.25% · 3.875%
HK$116,743
−HK$3,578/mo
Today · 4.125%
HK$120,321
baseline
▲ 0.50% · 4.625%
HK$127,643
+HK$7,322/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$240,642/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,958
−HK$6,805/mo
▼ 0.25% · 3.875%
HK$129,336
−HK$3,427/mo
Today · 4.125%
HK$132,763
baseline
▲ 0.50% · 4.625%
HK$139,761
+HK$6,998/mo
Deposit HK$2.76M · loan HK$24.83M · min. income ≈ HK$265,526/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,172,362 · Scale 2, in force from 26 Feb 2026)