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$62,250
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,186
−HK$1,967/mo
Today · 4.125%
HK$66,153
baseline
▲ 0.50% · 4.625%
HK$70,178
+HK$4,025/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,306/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,252
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,109
−HK$1,884/mo
Today · 4.125%
HK$72,993
baseline
▲ 0.50% · 4.625%
HK$76,841
+HK$3,848/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$145,986/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,699
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,023
−HK$2,361/mo
Today · 4.125%
HK$79,384
baseline
▲ 0.50% · 4.625%
HK$84,214
+HK$4,830/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,768/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,102
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,331
−HK$2,261/mo
Today · 4.125%
HK$87,592
baseline
▲ 0.50% · 4.625%
HK$92,209
+HK$4,617/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,184/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,149
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,860
−HK$2,754/mo
Today · 4.125%
HK$92,614
baseline
▲ 0.50% · 4.625%
HK$98,250
+HK$5,636/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,228/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,953
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,553
−HK$2,638/mo
Today · 4.125%
HK$102,191
baseline
▲ 0.50% · 4.625%
HK$107,577
+HK$5,386/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,382/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,049
−HK$7,027/mo
▼ 0.25% · 3.875%
HK$115,535
−HK$3,541/mo
Today · 4.125%
HK$119,076
baseline
▲ 0.50% · 4.625%
HK$126,321
+HK$7,245/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$238,152/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,654
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$127,997
−HK$3,391/mo
Today · 4.125%
HK$131,388
baseline
▲ 0.50% · 4.625%
HK$138,314
+HK$6,926/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$262,776/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,223 · Scale 2, in force from 26 Feb 2026)