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$62,227
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,163
−HK$1,966/mo
Today · 4.125%
HK$66,129
baseline
▲ 0.50% · 4.625%
HK$70,153
+HK$4,024/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,258/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,227
−HK$3,740/mo
▼ 0.25% · 3.875%
HK$71,084
−HK$1,883/mo
Today · 4.125%
HK$72,967
baseline
▲ 0.50% · 4.625%
HK$76,813
+HK$3,846/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,934/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,672
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$76,995
−HK$2,360/mo
Today · 4.125%
HK$79,355
baseline
▲ 0.50% · 4.625%
HK$84,184
+HK$4,829/mo
Deposit HK$10.92M · loan HK$16.37M · min. income ≈ HK$158,710/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,072
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,300
−HK$2,260/mo
Today · 4.125%
HK$87,560
baseline
▲ 0.50% · 4.625%
HK$92,176
+HK$4,616/mo
Deposit HK$10.92M · loan HK$16.37M · min. income ≈ HK$175,120/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,118
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,828
−HK$2,753/mo
Today · 4.125%
HK$92,581
baseline
▲ 0.50% · 4.625%
HK$98,214
+HK$5,633/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$185,162/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,918
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$99,517
−HK$2,637/mo
Today · 4.125%
HK$102,154
baseline
▲ 0.50% · 4.625%
HK$107,539
+HK$5,385/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$204,308/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,009
−HK$7,024/mo
▼ 0.25% · 3.875%
HK$115,493
−HK$3,540/mo
Today · 4.125%
HK$119,033
baseline
▲ 0.50% · 4.625%
HK$126,275
+HK$7,242/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$238,066/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,608
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$127,950
−HK$3,391/mo
Today · 4.125%
HK$131,341
baseline
▲ 0.50% · 4.625%
HK$138,264
+HK$6,923/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$262,682/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,803 · Scale 2, in force from 26 Feb 2026)