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$62,964
−HK$3,948/mo
▼ 0.25% · 3.875%
HK$64,922
−HK$1,990/mo
Today · 4.125%
HK$66,912
baseline
▲ 0.50% · 4.625%
HK$70,984
+HK$4,072/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$133,824/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$70,047
−HK$3,784/mo
▼ 0.25% · 3.875%
HK$71,925
−HK$1,906/mo
Today · 4.125%
HK$73,831
baseline
▲ 0.50% · 4.625%
HK$77,723
+HK$3,892/mo
Deposit HK$13.81M · loan HK$13.81M · min. income ≈ HK$147,662/mo (50% DSR)
Upfront cash ≈ HK$14.98M (deposit + AVD stamp duty HK$1,173,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,557
−HK$4,738/mo
▼ 0.25% · 3.875%
HK$77,907
−HK$2,388/mo
Today · 4.125%
HK$80,295
baseline
▲ 0.50% · 4.625%
HK$85,180
+HK$4,885/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$160,590/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$84,056
−HK$4,541/mo
▼ 0.25% · 3.875%
HK$86,310
−HK$2,287/mo
Today · 4.125%
HK$88,597
baseline
▲ 0.50% · 4.625%
HK$93,267
+HK$4,670/mo
Deposit HK$11.05M · loan HK$16.57M · min. income ≈ HK$177,194/mo (50% DSR)
Upfront cash ≈ HK$12.22M (deposit + AVD stamp duty HK$1,173,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,149
−HK$5,528/mo
▼ 0.25% · 3.875%
HK$90,891
−HK$2,786/mo
Today · 4.125%
HK$93,677
baseline
▲ 0.50% · 4.625%
HK$99,377
+HK$5,700/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$187,354/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$98,065
−HK$5,298/mo
▼ 0.25% · 3.875%
HK$100,695
−HK$2,668/mo
Today · 4.125%
HK$103,363
baseline
▲ 0.50% · 4.625%
HK$108,812
+HK$5,449/mo
Deposit HK$8.28M · loan HK$19.33M · min. income ≈ HK$206,726/mo (50% DSR)
Upfront cash ≈ HK$9.46M (deposit + AVD stamp duty HK$1,173,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$113,335
−HK$7,107/mo
▼ 0.25% · 3.875%
HK$116,860
−HK$3,582/mo
Today · 4.125%
HK$120,442
baseline
▲ 0.50% · 4.625%
HK$127,771
+HK$7,329/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$240,884/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$126,084
−HK$6,812/mo
▼ 0.25% · 3.875%
HK$129,465
−HK$3,431/mo
Today · 4.125%
HK$132,896
baseline
▲ 0.50% · 4.625%
HK$139,901
+HK$7,005/mo
Deposit HK$2.76M · loan HK$24.85M · min. income ≈ HK$265,792/mo (50% DSR)
Upfront cash ≈ HK$3.93M (deposit + AVD stamp duty HK$1,173,536 · Scale 2, in force from 26 Feb 2026)