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$62,185
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,119
−HK$1,965/mo
Today · 4.125%
HK$66,084
baseline
▲ 0.50% · 4.625%
HK$70,105
+HK$4,021/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,168/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,159,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,180
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,035
−HK$1,882/mo
Today · 4.125%
HK$72,917
baseline
▲ 0.50% · 4.625%
HK$76,761
+HK$3,844/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,834/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,159,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,622
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,943
−HK$2,358/mo
Today · 4.125%
HK$79,301
baseline
▲ 0.50% · 4.625%
HK$84,126
+HK$4,825/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$158,602/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,016
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,242
−HK$2,259/mo
Today · 4.125%
HK$87,501
baseline
▲ 0.50% · 4.625%
HK$92,113
+HK$4,612/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$175,002/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,058
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$89,766
−HK$2,752/mo
Today · 4.125%
HK$92,518
baseline
▲ 0.50% · 4.625%
HK$98,147
+HK$5,629/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,036/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,852
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,449
−HK$2,635/mo
Today · 4.125%
HK$102,084
baseline
▲ 0.50% · 4.625%
HK$107,465
+HK$5,381/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,168/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,932
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$115,414
−HK$3,537/mo
Today · 4.125%
HK$118,951
baseline
▲ 0.50% · 4.625%
HK$126,189
+HK$7,238/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$237,902/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,524
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$127,863
−HK$3,388/mo
Today · 4.125%
HK$131,251
baseline
▲ 0.50% · 4.625%
HK$138,170
+HK$6,919/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$262,502/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,013 · Scale 2, in force from 26 Feb 2026)