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$62,305
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,243
−HK$1,969/mo
Today · 4.125%
HK$66,212
baseline
▲ 0.50% · 4.625%
HK$70,241
+HK$4,029/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$132,424/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,161,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,314
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,173
−HK$1,886/mo
Today · 4.125%
HK$73,059
baseline
▲ 0.50% · 4.625%
HK$76,910
+HK$3,851/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$146,118/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,161,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,766
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,092
−HK$2,363/mo
Today · 4.125%
HK$79,455
baseline
▲ 0.50% · 4.625%
HK$84,289
+HK$4,834/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$158,910/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,177
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,407
−HK$2,263/mo
Today · 4.125%
HK$87,670
baseline
▲ 0.50% · 4.625%
HK$92,292
+HK$4,622/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$175,340/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,227
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$89,941
−HK$2,756/mo
Today · 4.125%
HK$92,697
baseline
▲ 0.50% · 4.625%
HK$98,338
+HK$5,641/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$185,394/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,039
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,642
−HK$2,640/mo
Today · 4.125%
HK$102,282
baseline
▲ 0.50% · 4.625%
HK$107,674
+HK$5,392/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$204,564/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,149
−HK$7,033/mo
▼ 0.25% · 3.875%
HK$115,638
−HK$3,544/mo
Today · 4.125%
HK$119,182
baseline
▲ 0.50% · 4.625%
HK$126,434
+HK$7,252/mo
Deposit HK$2.73M · loan HK$24.59M · min. income ≈ HK$238,364/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,765
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$128,111
−HK$3,395/mo
Today · 4.125%
HK$131,506
baseline
▲ 0.50% · 4.625%
HK$138,438
+HK$6,932/mo
Deposit HK$2.73M · loan HK$24.59M · min. income ≈ HK$263,012/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,261 · Scale 2, in force from 26 Feb 2026)