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$62,451
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,394
−HK$1,973/mo
Today · 4.125%
HK$66,367
baseline
▲ 0.50% · 4.625%
HK$70,406
+HK$4,039/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,734/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,163,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,476
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,339
−HK$1,891/mo
Today · 4.125%
HK$73,230
baseline
▲ 0.50% · 4.625%
HK$77,090
+HK$3,860/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,460/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,163,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,941
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,272
−HK$2,369/mo
Today · 4.125%
HK$79,641
baseline
▲ 0.50% · 4.625%
HK$84,487
+HK$4,846/mo
Deposit HK$10.96M · loan HK$16.43M · min. income ≈ HK$159,282/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,371
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,607
−HK$2,269/mo
Today · 4.125%
HK$87,876
baseline
▲ 0.50% · 4.625%
HK$92,508
+HK$4,632/mo
Deposit HK$10.96M · loan HK$16.43M · min. income ≈ HK$175,752/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,431
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,151
−HK$2,763/mo
Today · 4.125%
HK$92,914
baseline
▲ 0.50% · 4.625%
HK$98,568
+HK$5,654/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$185,828/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,267
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$99,875
−HK$2,647/mo
Today · 4.125%
HK$102,522
baseline
▲ 0.50% · 4.625%
HK$107,926
+HK$5,404/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$205,044/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,412
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$115,908
−HK$3,553/mo
Today · 4.125%
HK$119,461
baseline
▲ 0.50% · 4.625%
HK$126,730
+HK$7,269/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$238,922/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,057
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$128,411
−HK$3,402/mo
Today · 4.125%
HK$131,813
baseline
▲ 0.50% · 4.625%
HK$138,761
+HK$6,948/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$263,626/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,978 · Scale 2, in force from 26 Feb 2026)