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$62,271
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,208
−HK$1,968/mo
Today · 4.125%
HK$66,176
baseline
▲ 0.50% · 4.625%
HK$70,203
+HK$4,027/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,352/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,276
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,134
−HK$1,885/mo
Today · 4.125%
HK$73,019
baseline
▲ 0.50% · 4.625%
HK$76,868
+HK$3,849/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$146,038/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,725
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,050
−HK$2,361/mo
Today · 4.125%
HK$79,411
baseline
▲ 0.50% · 4.625%
HK$84,243
+HK$4,832/mo
Deposit HK$10.92M · loan HK$16.39M · min. income ≈ HK$158,822/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,131
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,361
−HK$2,262/mo
Today · 4.125%
HK$87,623
baseline
▲ 0.50% · 4.625%
HK$92,241
+HK$4,618/mo
Deposit HK$10.92M · loan HK$16.39M · min. income ≈ HK$175,246/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,180
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,892
−HK$2,755/mo
Today · 4.125%
HK$92,647
baseline
▲ 0.50% · 4.625%
HK$98,284
+HK$5,637/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$185,294/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,987
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,588
−HK$2,638/mo
Today · 4.125%
HK$102,226
baseline
▲ 0.50% · 4.625%
HK$107,615
+HK$5,389/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$204,452/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,088
−HK$7,029/mo
▼ 0.25% · 3.875%
HK$115,575
−HK$3,542/mo
Today · 4.125%
HK$119,117
baseline
▲ 0.50% · 4.625%
HK$126,365
+HK$7,248/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$238,234/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,697
−HK$6,737/mo
▼ 0.25% · 3.875%
HK$128,041
−HK$3,393/mo
Today · 4.125%
HK$131,434
baseline
▲ 0.50% · 4.625%
HK$138,362
+HK$6,928/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$262,868/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,628 · Scale 2, in force from 26 Feb 2026)