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$62,347
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,287
−HK$1,970/mo
Today · 4.125%
HK$66,257
baseline
▲ 0.50% · 4.625%
HK$70,289
+HK$4,032/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,514/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,162,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,361
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,221
−HK$1,887/mo
Today · 4.125%
HK$73,108
baseline
▲ 0.50% · 4.625%
HK$76,962
+HK$3,854/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,216/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,162,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,817
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,144
−HK$2,364/mo
Today · 4.125%
HK$79,508
baseline
▲ 0.50% · 4.625%
HK$84,346
+HK$4,838/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,016/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,233
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$85,465
−HK$2,265/mo
Today · 4.125%
HK$87,730
baseline
▲ 0.50% · 4.625%
HK$92,354
+HK$4,624/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,460/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,286
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$90,001
−HK$2,759/mo
Today · 4.125%
HK$92,760
baseline
▲ 0.50% · 4.625%
HK$98,404
+HK$5,644/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$185,520/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,162,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,105
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,709
−HK$2,642/mo
Today · 4.125%
HK$102,351
baseline
▲ 0.50% · 4.625%
HK$107,746
+HK$5,395/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$204,702/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,162,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,225
−HK$7,038/mo
▼ 0.25% · 3.875%
HK$115,716
−HK$3,547/mo
Today · 4.125%
HK$119,263
baseline
▲ 0.50% · 4.625%
HK$126,519
+HK$7,256/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$238,526/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,849
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$128,198
−HK$3,396/mo
Today · 4.125%
HK$131,594
baseline
▲ 0.50% · 4.625%
HK$138,531
+HK$6,937/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$263,188/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,044 · Scale 2, in force from 26 Feb 2026)