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$62,410
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,351
−HK$1,972/mo
Today · 4.125%
HK$66,323
baseline
▲ 0.50% · 4.625%
HK$70,359
+HK$4,036/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,646/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,430
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,292
−HK$1,889/mo
Today · 4.125%
HK$73,181
baseline
▲ 0.50% · 4.625%
HK$77,039
+HK$3,858/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,362/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,892
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,221
−HK$2,367/mo
Today · 4.125%
HK$79,588
baseline
▲ 0.50% · 4.625%
HK$84,431
+HK$4,843/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$159,176/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,316
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,551
−HK$2,267/mo
Today · 4.125%
HK$87,818
baseline
▲ 0.50% · 4.625%
HK$92,447
+HK$4,629/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$175,636/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,374
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,091
−HK$2,762/mo
Today · 4.125%
HK$92,853
baseline
▲ 0.50% · 4.625%
HK$98,503
+HK$5,650/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$185,706/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,163,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,202
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,809
−HK$2,645/mo
Today · 4.125%
HK$102,454
baseline
▲ 0.50% · 4.625%
HK$107,854
+HK$5,400/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$204,908/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,163,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,338
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$115,832
−HK$3,550/mo
Today · 4.125%
HK$119,382
baseline
▲ 0.50% · 4.625%
HK$126,646
+HK$7,264/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$238,764/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,974
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$128,326
−HK$3,400/mo
Today · 4.125%
HK$131,726
baseline
▲ 0.50% · 4.625%
HK$138,670
+HK$6,944/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$263,452/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,209 · Scale 2, in force from 26 Feb 2026)