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$62,147
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,080
−HK$1,964/mo
Today · 4.125%
HK$66,044
baseline
▲ 0.50% · 4.625%
HK$70,063
+HK$4,019/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,088/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,138
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,992
−HK$1,881/mo
Today · 4.125%
HK$72,873
baseline
▲ 0.50% · 4.625%
HK$76,714
+HK$3,841/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,746/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,576
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,896
−HK$2,357/mo
Today · 4.125%
HK$79,253
baseline
▲ 0.50% · 4.625%
HK$84,075
+HK$4,822/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,506/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,965
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,190
−HK$2,258/mo
Today · 4.125%
HK$87,448
baseline
▲ 0.50% · 4.625%
HK$92,057
+HK$4,609/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,896/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,005
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$89,712
−HK$2,749/mo
Today · 4.125%
HK$92,461
baseline
▲ 0.50% · 4.625%
HK$98,088
+HK$5,627/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$184,922/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,793
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$99,389
−HK$2,633/mo
Today · 4.125%
HK$102,022
baseline
▲ 0.50% · 4.625%
HK$107,400
+HK$5,378/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$204,044/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,864
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$115,344
−HK$3,535/mo
Today · 4.125%
HK$118,879
baseline
▲ 0.50% · 4.625%
HK$126,113
+HK$7,234/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$237,758/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,448
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$127,785
−HK$3,386/mo
Today · 4.125%
HK$131,171
baseline
▲ 0.50% · 4.625%
HK$138,086
+HK$6,915/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$262,342/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,308 · Scale 2, in force from 26 Feb 2026)