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$62,195
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,130
−HK$1,965/mo
Today · 4.125%
HK$66,095
baseline
▲ 0.50% · 4.625%
HK$70,117
+HK$4,022/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,190/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,191
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,047
−HK$1,882/mo
Today · 4.125%
HK$72,929
baseline
▲ 0.50% · 4.625%
HK$76,774
+HK$3,845/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,858/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,634
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,955
−HK$2,359/mo
Today · 4.125%
HK$79,314
baseline
▲ 0.50% · 4.625%
HK$84,140
+HK$4,826/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$158,628/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,030
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,256
−HK$2,259/mo
Today · 4.125%
HK$87,515
baseline
▲ 0.50% · 4.625%
HK$92,128
+HK$4,613/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$175,030/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,073
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$89,781
−HK$2,752/mo
Today · 4.125%
HK$92,533
baseline
▲ 0.50% · 4.625%
HK$98,164
+HK$5,631/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,066/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,868
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,466
−HK$2,635/mo
Today · 4.125%
HK$102,101
baseline
▲ 0.50% · 4.625%
HK$107,483
+HK$5,382/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,202/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,951
−HK$7,020/mo
▼ 0.25% · 3.875%
HK$115,433
−HK$3,538/mo
Today · 4.125%
HK$118,971
baseline
▲ 0.50% · 4.625%
HK$126,210
+HK$7,239/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$237,942/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,544
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$127,885
−HK$3,388/mo
Today · 4.125%
HK$131,273
baseline
▲ 0.50% · 4.625%
HK$138,193
+HK$6,920/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$262,546/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,206 · Scale 2, in force from 26 Feb 2026)