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$62,518
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,463
−HK$1,975/mo
Today · 4.125%
HK$66,438
baseline
▲ 0.50% · 4.625%
HK$70,481
+HK$4,043/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,876/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,551
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,416
−HK$1,892/mo
Today · 4.125%
HK$73,308
baseline
▲ 0.50% · 4.625%
HK$77,172
+HK$3,864/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,616/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,022
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,355
−HK$2,371/mo
Today · 4.125%
HK$79,726
baseline
▲ 0.50% · 4.625%
HK$84,577
+HK$4,851/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$159,452/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,461
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,699
−HK$2,271/mo
Today · 4.125%
HK$87,970
baseline
▲ 0.50% · 4.625%
HK$92,607
+HK$4,637/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$175,940/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,525
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,248
−HK$2,766/mo
Today · 4.125%
HK$93,014
baseline
▲ 0.50% · 4.625%
HK$98,673
+HK$5,659/mo
Deposit HK$8.23M · loan HK$19.19M · min. income ≈ HK$186,028/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,371
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,982
−HK$2,649/mo
Today · 4.125%
HK$102,631
baseline
▲ 0.50% · 4.625%
HK$108,041
+HK$5,410/mo
Deposit HK$8.23M · loan HK$19.19M · min. income ≈ HK$205,262/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,532
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$116,033
−HK$3,556/mo
Today · 4.125%
HK$119,589
baseline
▲ 0.50% · 4.625%
HK$126,866
+HK$7,277/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,178/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,191
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$128,549
−HK$3,406/mo
Today · 4.125%
HK$131,955
baseline
▲ 0.50% · 4.625%
HK$138,910
+HK$6,955/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$263,910/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,226 · Scale 2, in force from 26 Feb 2026)