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$62,372
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,312
−HK$1,971/mo
Today · 4.125%
HK$66,283
baseline
▲ 0.50% · 4.625%
HK$70,316
+HK$4,033/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,566/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,388
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,249
−HK$1,888/mo
Today · 4.125%
HK$73,137
baseline
▲ 0.50% · 4.625%
HK$76,992
+HK$3,855/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,274/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,846
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,174
−HK$2,366/mo
Today · 4.125%
HK$79,540
baseline
▲ 0.50% · 4.625%
HK$84,379
+HK$4,839/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,080/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,266
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,499
−HK$2,265/mo
Today · 4.125%
HK$87,764
baseline
▲ 0.50% · 4.625%
HK$92,390
+HK$4,626/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,528/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,320
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,037
−HK$2,759/mo
Today · 4.125%
HK$92,796
baseline
▲ 0.50% · 4.625%
HK$98,443
+HK$5,647/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,592/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,143
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,748
−HK$2,643/mo
Today · 4.125%
HK$102,391
baseline
▲ 0.50% · 4.625%
HK$107,789
+HK$5,398/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,782/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,269
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$115,761
−HK$3,548/mo
Today · 4.125%
HK$119,309
baseline
▲ 0.50% · 4.625%
HK$126,569
+HK$7,260/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,618/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,898
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$128,248
−HK$3,398/mo
Today · 4.125%
HK$131,646
baseline
▲ 0.50% · 4.625%
HK$138,585
+HK$6,939/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,292/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,501 · Scale 2, in force from 26 Feb 2026)