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$62,136
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,069
−HK$1,964/mo
Today · 4.125%
HK$66,033
baseline
▲ 0.50% · 4.625%
HK$70,051
+HK$4,018/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,066/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,158,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,126
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,980
−HK$1,881/mo
Today · 4.125%
HK$72,861
baseline
▲ 0.50% · 4.625%
HK$76,701
+HK$3,840/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,722/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,158,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,563
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,883
−HK$2,356/mo
Today · 4.125%
HK$79,239
baseline
▲ 0.50% · 4.625%
HK$84,061
+HK$4,822/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,478/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,951
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,176
−HK$2,257/mo
Today · 4.125%
HK$87,433
baseline
▲ 0.50% · 4.625%
HK$92,041
+HK$4,608/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,866/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,991
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,697
−HK$2,749/mo
Today · 4.125%
HK$92,446
baseline
▲ 0.50% · 4.625%
HK$98,071
+HK$5,625/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,892/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,776
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$99,372
−HK$2,633/mo
Today · 4.125%
HK$102,005
baseline
▲ 0.50% · 4.625%
HK$107,382
+HK$5,377/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$204,010/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,845
−HK$7,014/mo
▼ 0.25% · 3.875%
HK$115,324
−HK$3,535/mo
Today · 4.125%
HK$118,859
baseline
▲ 0.50% · 4.625%
HK$126,091
+HK$7,232/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$237,718/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,427
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$127,764
−HK$3,385/mo
Today · 4.125%
HK$131,149
baseline
▲ 0.50% · 4.625%
HK$138,062
+HK$6,913/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$262,298/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,111 · Scale 2, in force from 26 Feb 2026)