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$62,564
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,510
−HK$1,977/mo
Today · 4.125%
HK$66,487
baseline
▲ 0.50% · 4.625%
HK$70,533
+HK$4,046/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$132,974/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,166,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,602
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,468
−HK$1,894/mo
Today · 4.125%
HK$73,362
baseline
▲ 0.50% · 4.625%
HK$77,229
+HK$3,867/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,724/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,166,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,077
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,412
−HK$2,373/mo
Today · 4.125%
HK$79,785
baseline
▲ 0.50% · 4.625%
HK$84,639
+HK$4,854/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,570/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,522
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,762
−HK$2,272/mo
Today · 4.125%
HK$88,034
baseline
▲ 0.50% · 4.625%
HK$92,675
+HK$4,641/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$176,068/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,589
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$90,314
−HK$2,768/mo
Today · 4.125%
HK$93,082
baseline
▲ 0.50% · 4.625%
HK$98,746
+HK$5,664/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$186,164/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,442
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$100,056
−HK$2,651/mo
Today · 4.125%
HK$102,707
baseline
▲ 0.50% · 4.625%
HK$108,121
+HK$5,414/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$205,414/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,615
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$116,118
−HK$3,559/mo
Today · 4.125%
HK$119,677
baseline
▲ 0.50% · 4.625%
HK$126,959
+HK$7,282/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$239,354/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,283
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$128,643
−HK$3,409/mo
Today · 4.125%
HK$132,052
baseline
▲ 0.50% · 4.625%
HK$139,012
+HK$6,960/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$264,104/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,081 · Scale 2, in force from 26 Feb 2026)