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$62,387
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,328
−HK$1,971/mo
Today · 4.125%
HK$66,299
baseline
▲ 0.50% · 4.625%
HK$70,334
+HK$4,035/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,598/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,405
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,266
−HK$1,889/mo
Today · 4.125%
HK$73,155
baseline
▲ 0.50% · 4.625%
HK$77,011
+HK$3,856/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,310/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,865
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,193
−HK$2,366/mo
Today · 4.125%
HK$79,559
baseline
▲ 0.50% · 4.625%
HK$84,400
+HK$4,841/mo
Deposit HK$10.94M · loan HK$16.42M · min. income ≈ HK$159,118/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,286
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,520
−HK$2,266/mo
Today · 4.125%
HK$87,786
baseline
▲ 0.50% · 4.625%
HK$92,413
+HK$4,627/mo
Deposit HK$10.94M · loan HK$16.42M · min. income ≈ HK$175,572/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,342
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,059
−HK$2,760/mo
Today · 4.125%
HK$92,819
baseline
▲ 0.50% · 4.625%
HK$98,467
+HK$5,648/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,638/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,167
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,773
−HK$2,644/mo
Today · 4.125%
HK$102,417
baseline
▲ 0.50% · 4.625%
HK$107,815
+HK$5,398/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,834/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,297
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$115,790
−HK$3,549/mo
Today · 4.125%
HK$119,339
baseline
▲ 0.50% · 4.625%
HK$126,600
+HK$7,261/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,678/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,929
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$128,280
−HK$3,399/mo
Today · 4.125%
HK$131,679
baseline
▲ 0.50% · 4.625%
HK$138,620
+HK$6,941/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,358/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,788 · Scale 2, in force from 26 Feb 2026)