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$62,600
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,547
−HK$1,978/mo
Today · 4.125%
HK$66,525
baseline
▲ 0.50% · 4.625%
HK$70,573
+HK$4,048/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$133,050/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,641
−HK$3,763/mo
▼ 0.25% · 3.875%
HK$71,509
−HK$1,895/mo
Today · 4.125%
HK$73,404
baseline
▲ 0.50% · 4.625%
HK$77,273
+HK$3,869/mo
Deposit HK$13.73M · loan HK$13.73M · min. income ≈ HK$146,808/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,119
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,456
−HK$2,374/mo
Today · 4.125%
HK$79,830
baseline
▲ 0.50% · 4.625%
HK$84,688
+HK$4,858/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,660/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,570
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,811
−HK$2,274/mo
Today · 4.125%
HK$88,085
baseline
▲ 0.50% · 4.625%
HK$92,728
+HK$4,643/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,170/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,639
−HK$5,496/mo
▼ 0.25% · 3.875%
HK$90,365
−HK$2,770/mo
Today · 4.125%
HK$93,135
baseline
▲ 0.50% · 4.625%
HK$98,802
+HK$5,667/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$186,270/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,498
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,113
−HK$2,652/mo
Today · 4.125%
HK$102,765
baseline
▲ 0.50% · 4.625%
HK$108,182
+HK$5,417/mo
Deposit HK$8.24M · loan HK$19.22M · min. income ≈ HK$205,530/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,679
−HK$7,066/mo
▼ 0.25% · 3.875%
HK$116,184
−HK$3,561/mo
Today · 4.125%
HK$119,745
baseline
▲ 0.50% · 4.625%
HK$127,031
+HK$7,286/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$239,490/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,354
−HK$6,773/mo
▼ 0.25% · 3.875%
HK$128,716
−HK$3,411/mo
Today · 4.125%
HK$132,127
baseline
▲ 0.50% · 4.625%
HK$139,092
+HK$6,965/mo
Deposit HK$2.75M · loan HK$24.71M · min. income ≈ HK$264,254/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,746 · Scale 2, in force from 26 Feb 2026)