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$62,661
−HK$3,929/mo
▼ 0.25% · 3.875%
HK$64,610
−HK$1,980/mo
Today · 4.125%
HK$66,590
baseline
▲ 0.50% · 4.625%
HK$70,642
+HK$4,052/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$133,180/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,167,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,709
−HK$3,767/mo
▼ 0.25% · 3.875%
HK$71,579
−HK$1,897/mo
Today · 4.125%
HK$73,476
baseline
▲ 0.50% · 4.625%
HK$77,349
+HK$3,873/mo
Deposit HK$13.74M · loan HK$13.74M · min. income ≈ HK$146,952/mo (50% DSR)
Upfront cash ≈ HK$14.91M (deposit + AVD stamp duty HK$1,167,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,193
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$77,532
−HK$2,376/mo
Today · 4.125%
HK$79,908
baseline
▲ 0.50% · 4.625%
HK$84,770
+HK$4,862/mo
Deposit HK$10.99M · loan HK$16.49M · min. income ≈ HK$159,816/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,651
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,895
−HK$2,276/mo
Today · 4.125%
HK$88,171
baseline
▲ 0.50% · 4.625%
HK$92,818
+HK$4,647/mo
Deposit HK$10.99M · loan HK$16.49M · min. income ≈ HK$176,342/mo (50% DSR)
Upfront cash ≈ HK$12.16M (deposit + AVD stamp duty HK$1,167,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,725
−HK$5,501/mo
▼ 0.25% · 3.875%
HK$90,454
−HK$2,772/mo
Today · 4.125%
HK$93,226
baseline
▲ 0.50% · 4.625%
HK$98,899
+HK$5,673/mo
Deposit HK$8.24M · loan HK$19.24M · min. income ≈ HK$186,452/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,593
−HK$5,273/mo
▼ 0.25% · 3.875%
HK$100,211
−HK$2,655/mo
Today · 4.125%
HK$102,866
baseline
▲ 0.50% · 4.625%
HK$108,288
+HK$5,422/mo
Deposit HK$8.24M · loan HK$19.24M · min. income ≈ HK$205,732/mo (50% DSR)
Upfront cash ≈ HK$9.41M (deposit + AVD stamp duty HK$1,167,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,789
−HK$7,073/mo
▼ 0.25% · 3.875%
HK$116,298
−HK$3,564/mo
Today · 4.125%
HK$119,862
baseline
▲ 0.50% · 4.625%
HK$127,155
+HK$7,293/mo
Deposit HK$2.75M · loan HK$24.73M · min. income ≈ HK$239,724/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,167,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,477
−HK$6,779/mo
▼ 0.25% · 3.875%
HK$128,842
−HK$3,414/mo
Today · 4.125%
HK$132,256
baseline
▲ 0.50% · 4.625%
HK$139,227
+HK$6,971/mo
Deposit HK$2.75M · loan HK$24.73M · min. income ≈ HK$264,512/mo (50% DSR)
Upfront cash ≈ HK$3.92M (deposit + AVD stamp duty HK$1,167,886 · Scale 2, in force from 26 Feb 2026)