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$62,482
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,426
−HK$1,974/mo
Today · 4.125%
HK$66,400
baseline
▲ 0.50% · 4.625%
HK$70,440
+HK$4,040/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,800/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,511
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,375
−HK$1,891/mo
Today · 4.125%
HK$73,266
baseline
▲ 0.50% · 4.625%
HK$77,128
+HK$3,862/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,532/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,978
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,311
−HK$2,369/mo
Today · 4.125%
HK$79,680
baseline
▲ 0.50% · 4.625%
HK$84,529
+HK$4,849/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,360/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,413
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,650
−HK$2,269/mo
Today · 4.125%
HK$87,919
baseline
▲ 0.50% · 4.625%
HK$92,554
+HK$4,635/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,838/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,475
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$90,196
−HK$2,764/mo
Today · 4.125%
HK$92,960
baseline
▲ 0.50% · 4.625%
HK$98,617
+HK$5,657/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$185,920/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,315
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$99,925
−HK$2,647/mo
Today · 4.125%
HK$102,572
baseline
▲ 0.50% · 4.625%
HK$107,979
+HK$5,407/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$205,144/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,468
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$115,966
−HK$3,554/mo
Today · 4.125%
HK$119,520
baseline
▲ 0.50% · 4.625%
HK$126,793
+HK$7,273/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$239,040/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,119
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$128,475
−HK$3,404/mo
Today · 4.125%
HK$131,879
baseline
▲ 0.50% · 4.625%
HK$138,830
+HK$6,951/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$263,758/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,555 · Scale 2, in force from 26 Feb 2026)