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$62,369
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,309
−HK$1,971/mo
Today · 4.125%
HK$66,280
baseline
▲ 0.50% · 4.625%
HK$70,313
+HK$4,033/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,560/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,384
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,245
−HK$1,888/mo
Today · 4.125%
HK$73,133
baseline
▲ 0.50% · 4.625%
HK$76,988
+HK$3,855/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,266/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,842
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,170
−HK$2,366/mo
Today · 4.125%
HK$79,536
baseline
▲ 0.50% · 4.625%
HK$84,375
+HK$4,839/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,072/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,261
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,494
−HK$2,266/mo
Today · 4.125%
HK$87,760
baseline
▲ 0.50% · 4.625%
HK$92,386
+HK$4,626/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,520/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,316
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$90,032
−HK$2,759/mo
Today · 4.125%
HK$92,791
baseline
▲ 0.50% · 4.625%
HK$98,438
+HK$5,647/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,582/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,138
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,743
−HK$2,643/mo
Today · 4.125%
HK$102,386
baseline
▲ 0.50% · 4.625%
HK$107,783
+HK$5,397/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,772/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,263
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$115,755
−HK$3,548/mo
Today · 4.125%
HK$119,303
baseline
▲ 0.50% · 4.625%
HK$126,563
+HK$7,260/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,606/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,892
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$128,241
−HK$3,398/mo
Today · 4.125%
HK$131,639
baseline
▲ 0.50% · 4.625%
HK$138,578
+HK$6,939/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,278/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,442 · Scale 2, in force from 26 Feb 2026)