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$62,121
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,054
−HK$1,963/mo
Today · 4.125%
HK$66,017
baseline
▲ 0.50% · 4.625%
HK$70,034
+HK$4,017/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,034/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,109
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,963
−HK$1,880/mo
Today · 4.125%
HK$72,843
baseline
▲ 0.50% · 4.625%
HK$76,683
+HK$3,840/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,686/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,546
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,864
−HK$2,356/mo
Today · 4.125%
HK$79,220
baseline
▲ 0.50% · 4.625%
HK$84,041
+HK$4,821/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,440/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,157,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,931
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,155
−HK$2,257/mo
Today · 4.125%
HK$87,412
baseline
▲ 0.50% · 4.625%
HK$92,019
+HK$4,607/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,824/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,157,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,970
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,675
−HK$2,749/mo
Today · 4.125%
HK$92,424
baseline
▲ 0.50% · 4.625%
HK$98,047
+HK$5,623/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,848/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,753
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,348
−HK$2,632/mo
Today · 4.125%
HK$101,980
baseline
▲ 0.50% · 4.625%
HK$107,356
+HK$5,376/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,960/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,819
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$115,297
−HK$3,534/mo
Today · 4.125%
HK$118,831
baseline
▲ 0.50% · 4.625%
HK$126,061
+HK$7,230/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$237,662/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,397
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$127,733
−HK$3,385/mo
Today · 4.125%
HK$131,118
baseline
▲ 0.50% · 4.625%
HK$138,029
+HK$6,911/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$262,236/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,835 · Scale 2, in force from 26 Feb 2026)