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$62,344
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,283
−HK$1,970/mo
Today · 4.125%
HK$66,253
baseline
▲ 0.50% · 4.625%
HK$70,284
+HK$4,031/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,506/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,357
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,217
−HK$1,887/mo
Today · 4.125%
HK$73,104
baseline
▲ 0.50% · 4.625%
HK$76,957
+HK$3,853/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,208/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,812
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,139
−HK$2,365/mo
Today · 4.125%
HK$79,504
baseline
▲ 0.50% · 4.625%
HK$84,341
+HK$4,837/mo
Deposit HK$10.94M · loan HK$16.40M · min. income ≈ HK$159,008/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,228
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$85,460
−HK$2,265/mo
Today · 4.125%
HK$87,725
baseline
▲ 0.50% · 4.625%
HK$92,349
+HK$4,624/mo
Deposit HK$10.94M · loan HK$16.40M · min. income ≈ HK$175,450/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,281
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$89,996
−HK$2,758/mo
Today · 4.125%
HK$92,754
baseline
▲ 0.50% · 4.625%
HK$98,398
+HK$5,644/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$185,508/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,099
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,704
−HK$2,641/mo
Today · 4.125%
HK$102,345
baseline
▲ 0.50% · 4.625%
HK$107,740
+HK$5,395/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$204,690/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,219
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$115,709
−HK$3,547/mo
Today · 4.125%
HK$119,256
baseline
▲ 0.50% · 4.625%
HK$126,512
+HK$7,256/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$238,512/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,842
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$128,190
−HK$3,397/mo
Today · 4.125%
HK$131,587
baseline
▲ 0.50% · 4.625%
HK$138,523
+HK$6,936/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$263,174/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,977 · Scale 2, in force from 26 Feb 2026)