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$62,475
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,418
−HK$1,974/mo
Today · 4.125%
HK$66,392
baseline
▲ 0.50% · 4.625%
HK$70,432
+HK$4,040/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,784/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,502
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,366
−HK$1,891/mo
Today · 4.125%
HK$73,257
baseline
▲ 0.50% · 4.625%
HK$77,119
+HK$3,862/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,514/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,970
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,302
−HK$2,369/mo
Today · 4.125%
HK$79,671
baseline
▲ 0.50% · 4.625%
HK$84,519
+HK$4,848/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,342/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,403
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,640
−HK$2,269/mo
Today · 4.125%
HK$87,909
baseline
▲ 0.50% · 4.625%
HK$92,543
+HK$4,634/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,818/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,465
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$90,185
−HK$2,764/mo
Today · 4.125%
HK$92,949
baseline
▲ 0.50% · 4.625%
HK$98,605
+HK$5,656/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$185,898/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,303
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$99,913
−HK$2,647/mo
Today · 4.125%
HK$102,560
baseline
▲ 0.50% · 4.625%
HK$107,966
+HK$5,406/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$205,120/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,454
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$115,952
−HK$3,554/mo
Today · 4.125%
HK$119,506
baseline
▲ 0.50% · 4.625%
HK$126,778
+HK$7,272/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$239,012/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,104
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$128,460
−HK$3,403/mo
Today · 4.125%
HK$131,863
baseline
▲ 0.50% · 4.625%
HK$138,814
+HK$6,951/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$263,726/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,419 · Scale 2, in force from 26 Feb 2026)