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$62,464
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,407
−HK$1,974/mo
Today · 4.125%
HK$66,381
baseline
▲ 0.50% · 4.625%
HK$70,420
+HK$4,039/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,762/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,490
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,354
−HK$1,891/mo
Today · 4.125%
HK$73,245
baseline
▲ 0.50% · 4.625%
HK$77,106
+HK$3,861/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,490/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,957
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,288
−HK$2,369/mo
Today · 4.125%
HK$79,657
baseline
▲ 0.50% · 4.625%
HK$84,504
+HK$4,847/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,314/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,388
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,625
−HK$2,269/mo
Today · 4.125%
HK$87,894
baseline
▲ 0.50% · 4.625%
HK$92,527
+HK$4,633/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,788/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,449
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$90,170
−HK$2,763/mo
Today · 4.125%
HK$92,933
baseline
▲ 0.50% · 4.625%
HK$98,588
+HK$5,655/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$185,866/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,287
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$99,896
−HK$2,647/mo
Today · 4.125%
HK$102,543
baseline
▲ 0.50% · 4.625%
HK$107,948
+HK$5,405/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$205,086/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,435
−HK$7,051/mo
▼ 0.25% · 3.875%
HK$115,932
−HK$3,554/mo
Today · 4.125%
HK$119,486
baseline
▲ 0.50% · 4.625%
HK$126,756
+HK$7,270/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$238,972/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,083
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$128,437
−HK$3,403/mo
Today · 4.125%
HK$131,840
baseline
▲ 0.50% · 4.625%
HK$138,790
+HK$6,950/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$263,680/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,217 · Scale 2, in force from 26 Feb 2026)