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$62,174
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,108
−HK$1,965/mo
Today · 4.125%
HK$66,073
baseline
▲ 0.50% · 4.625%
HK$70,094
+HK$4,021/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,146/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,168
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,023
−HK$1,882/mo
Today · 4.125%
HK$72,905
baseline
▲ 0.50% · 4.625%
HK$76,748
+HK$3,843/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,810/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,609
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,930
−HK$2,358/mo
Today · 4.125%
HK$79,288
baseline
▲ 0.50% · 4.625%
HK$84,112
+HK$4,824/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$158,576/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,158,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,002
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,228
−HK$2,258/mo
Today · 4.125%
HK$87,486
baseline
▲ 0.50% · 4.625%
HK$92,098
+HK$4,612/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$174,972/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,158,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,044
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,752
−HK$2,750/mo
Today · 4.125%
HK$92,502
baseline
▲ 0.50% · 4.625%
HK$98,131
+HK$5,629/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,004/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,836
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$99,433
−HK$2,634/mo
Today · 4.125%
HK$102,067
baseline
▲ 0.50% · 4.625%
HK$107,447
+HK$5,380/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,134/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,914
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$115,395
−HK$3,537/mo
Today · 4.125%
HK$118,932
baseline
▲ 0.50% · 4.625%
HK$126,168
+HK$7,236/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$237,864/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,503
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$127,842
−HK$3,387/mo
Today · 4.125%
HK$131,229
baseline
▲ 0.50% · 4.625%
HK$138,147
+HK$6,918/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$262,458/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,821 · Scale 2, in force from 26 Feb 2026)