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$62,278
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,216
−HK$1,968/mo
Today · 4.125%
HK$66,184
baseline
▲ 0.50% · 4.625%
HK$70,211
+HK$4,027/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$132,368/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,284
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,142
−HK$1,885/mo
Today · 4.125%
HK$73,027
baseline
▲ 0.50% · 4.625%
HK$76,877
+HK$3,850/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$146,054/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,734
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,059
−HK$2,362/mo
Today · 4.125%
HK$79,421
baseline
▲ 0.50% · 4.625%
HK$84,253
+HK$4,832/mo
Deposit HK$10.92M · loan HK$16.39M · min. income ≈ HK$158,842/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,160,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,141
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,371
−HK$2,262/mo
Today · 4.125%
HK$87,633
baseline
▲ 0.50% · 4.625%
HK$92,252
+HK$4,619/mo
Deposit HK$10.92M · loan HK$16.39M · min. income ≈ HK$175,266/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,160,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,190
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,902
−HK$2,755/mo
Today · 4.125%
HK$92,657
baseline
▲ 0.50% · 4.625%
HK$98,295
+HK$5,638/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$185,314/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,998
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,599
−HK$2,639/mo
Today · 4.125%
HK$102,238
baseline
▲ 0.50% · 4.625%
HK$107,627
+HK$5,389/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$204,476/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,101
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$115,588
−HK$3,543/mo
Today · 4.125%
HK$119,131
baseline
▲ 0.50% · 4.625%
HK$126,380
+HK$7,249/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$238,262/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,711
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$128,056
−HK$3,393/mo
Today · 4.125%
HK$131,449
baseline
▲ 0.50% · 4.625%
HK$138,378
+HK$6,929/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$262,898/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,762 · Scale 2, in force from 26 Feb 2026)