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$62,344
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,283
−HK$1,971/mo
Today · 4.125%
HK$66,254
baseline
▲ 0.50% · 4.625%
HK$70,285
+HK$4,031/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,508/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,357
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,217
−HK$1,887/mo
Today · 4.125%
HK$73,104
baseline
▲ 0.50% · 4.625%
HK$76,958
+HK$3,854/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,208/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,813
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,140
−HK$2,364/mo
Today · 4.125%
HK$79,504
baseline
▲ 0.50% · 4.625%
HK$84,342
+HK$4,838/mo
Deposit HK$10.94M · loan HK$16.40M · min. income ≈ HK$159,008/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,229
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,461
−HK$2,264/mo
Today · 4.125%
HK$87,725
baseline
▲ 0.50% · 4.625%
HK$92,349
+HK$4,624/mo
Deposit HK$10.94M · loan HK$16.40M · min. income ≈ HK$175,450/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,282
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$89,997
−HK$2,758/mo
Today · 4.125%
HK$92,755
baseline
▲ 0.50% · 4.625%
HK$98,399
+HK$5,644/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$185,510/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,100
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,704
−HK$2,642/mo
Today · 4.125%
HK$102,346
baseline
▲ 0.50% · 4.625%
HK$107,741
+HK$5,395/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$204,692/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,220
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$115,710
−HK$3,547/mo
Today · 4.125%
HK$119,257
baseline
▲ 0.50% · 4.625%
HK$126,513
+HK$7,256/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$238,514/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,843
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$128,191
−HK$3,397/mo
Today · 4.125%
HK$131,588
baseline
▲ 0.50% · 4.625%
HK$138,524
+HK$6,936/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$263,176/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,988 · Scale 2, in force from 26 Feb 2026)