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$62,158
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,092
−HK$1,964/mo
Today · 4.125%
HK$66,056
baseline
▲ 0.50% · 4.625%
HK$70,076
+HK$4,020/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,112/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,151
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,005
−HK$1,882/mo
Today · 4.125%
HK$72,887
baseline
▲ 0.50% · 4.625%
HK$76,729
+HK$3,842/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,774/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,590
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,910
−HK$2,358/mo
Today · 4.125%
HK$79,268
baseline
▲ 0.50% · 4.625%
HK$84,091
+HK$4,823/mo
Deposit HK$10.90M · loan HK$16.36M · min. income ≈ HK$158,536/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,981
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,206
−HK$2,258/mo
Today · 4.125%
HK$87,464
baseline
▲ 0.50% · 4.625%
HK$92,074
+HK$4,610/mo
Deposit HK$10.90M · loan HK$16.36M · min. income ≈ HK$174,928/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,022
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$89,729
−HK$2,750/mo
Today · 4.125%
HK$92,479
baseline
▲ 0.50% · 4.625%
HK$98,106
+HK$5,627/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$184,958/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,811
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,407
−HK$2,634/mo
Today · 4.125%
HK$102,041
baseline
▲ 0.50% · 4.625%
HK$107,420
+HK$5,379/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$204,082/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,885
−HK$7,016/mo
▼ 0.25% · 3.875%
HK$115,365
−HK$3,536/mo
Today · 4.125%
HK$118,901
baseline
▲ 0.50% · 4.625%
HK$126,136
+HK$7,235/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$237,802/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,471
−HK$6,725/mo
▼ 0.25% · 3.875%
HK$127,809
−HK$3,387/mo
Today · 4.125%
HK$131,196
baseline
▲ 0.50% · 4.625%
HK$138,112
+HK$6,916/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$262,392/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,526 · Scale 2, in force from 26 Feb 2026)