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$62,485
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,429
−HK$1,975/mo
Today · 4.125%
HK$66,404
baseline
▲ 0.50% · 4.625%
HK$70,444
+HK$4,040/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,808/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,514
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,379
−HK$1,891/mo
Today · 4.125%
HK$73,270
baseline
▲ 0.50% · 4.625%
HK$77,132
+HK$3,862/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,540/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,982
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,315
−HK$2,369/mo
Today · 4.125%
HK$79,684
baseline
▲ 0.50% · 4.625%
HK$84,533
+HK$4,849/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,368/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,417
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,654
−HK$2,270/mo
Today · 4.125%
HK$87,924
baseline
▲ 0.50% · 4.625%
HK$92,558
+HK$4,634/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,848/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,479
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$90,200
−HK$2,765/mo
Today · 4.125%
HK$92,965
baseline
▲ 0.50% · 4.625%
HK$98,622
+HK$5,657/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$185,930/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,320
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$99,930
−HK$2,648/mo
Today · 4.125%
HK$102,578
baseline
▲ 0.50% · 4.625%
HK$107,985
+HK$5,407/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$205,156/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,473
−HK$7,053/mo
▼ 0.25% · 3.875%
HK$115,972
−HK$3,554/mo
Today · 4.125%
HK$119,526
baseline
▲ 0.50% · 4.625%
HK$126,799
+HK$7,273/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$239,052/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,126
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$128,481
−HK$3,405/mo
Today · 4.125%
HK$131,886
baseline
▲ 0.50% · 4.625%
HK$138,838
+HK$6,952/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$263,772/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,616 · Scale 2, in force from 26 Feb 2026)