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$62,582
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,528
−HK$1,978/mo
Today · 4.125%
HK$66,506
baseline
▲ 0.50% · 4.625%
HK$70,553
+HK$4,047/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$133,012/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,622
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,489
−HK$1,894/mo
Today · 4.125%
HK$73,383
baseline
▲ 0.50% · 4.625%
HK$77,251
+HK$3,868/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,766/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,098
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,434
−HK$2,374/mo
Today · 4.125%
HK$79,808
baseline
▲ 0.50% · 4.625%
HK$84,664
+HK$4,856/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,616/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,546
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,787
−HK$2,273/mo
Today · 4.125%
HK$88,060
baseline
▲ 0.50% · 4.625%
HK$92,701
+HK$4,641/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,120/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,615
−HK$5,494/mo
▼ 0.25% · 3.875%
HK$90,340
−HK$2,769/mo
Today · 4.125%
HK$93,109
baseline
▲ 0.50% · 4.625%
HK$98,774
+HK$5,665/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$186,218/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,470
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,084
−HK$2,652/mo
Today · 4.125%
HK$102,736
baseline
▲ 0.50% · 4.625%
HK$108,152
+HK$5,416/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$205,472/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,647
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$116,151
−HK$3,560/mo
Today · 4.125%
HK$119,711
baseline
▲ 0.50% · 4.625%
HK$126,995
+HK$7,284/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$239,422/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,319
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$128,680
−HK$3,410/mo
Today · 4.125%
HK$132,090
baseline
▲ 0.50% · 4.625%
HK$139,052
+HK$6,962/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$264,180/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,417 · Scale 2, in force from 26 Feb 2026)