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$62,270
−HK$3,904/mo
▼ 0.25% · 3.875%
HK$64,206
−HK$1,968/mo
Today · 4.125%
HK$66,174
baseline
▲ 0.50% · 4.625%
HK$70,201
+HK$4,027/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,348/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,274
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,132
−HK$1,885/mo
Today · 4.125%
HK$73,017
baseline
▲ 0.50% · 4.625%
HK$76,866
+HK$3,849/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$146,034/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,723
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,048
−HK$2,361/mo
Today · 4.125%
HK$79,409
baseline
▲ 0.50% · 4.625%
HK$84,241
+HK$4,832/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,818/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,129
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,359
−HK$2,261/mo
Today · 4.125%
HK$87,620
baseline
▲ 0.50% · 4.625%
HK$92,239
+HK$4,619/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,240/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,177
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,889
−HK$2,755/mo
Today · 4.125%
HK$92,644
baseline
▲ 0.50% · 4.625%
HK$98,281
+HK$5,637/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$185,288/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,984
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,585
−HK$2,639/mo
Today · 4.125%
HK$102,224
baseline
▲ 0.50% · 4.625%
HK$107,612
+HK$5,388/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$204,448/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,085
−HK$7,029/mo
▼ 0.25% · 3.875%
HK$115,572
−HK$3,542/mo
Today · 4.125%
HK$119,114
baseline
▲ 0.50% · 4.625%
HK$126,362
+HK$7,248/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$238,228/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,694
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$128,038
−HK$3,392/mo
Today · 4.125%
HK$131,430
baseline
▲ 0.50% · 4.625%
HK$138,358
+HK$6,928/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$262,860/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,596 · Scale 2, in force from 26 Feb 2026)