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$62,386
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,327
−HK$1,971/mo
Today · 4.125%
HK$66,298
baseline
▲ 0.50% · 4.625%
HK$70,332
+HK$4,034/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,596/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,404
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,265
−HK$1,889/mo
Today · 4.125%
HK$73,154
baseline
▲ 0.50% · 4.625%
HK$77,010
+HK$3,856/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,308/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,863
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,192
−HK$2,366/mo
Today · 4.125%
HK$79,558
baseline
▲ 0.50% · 4.625%
HK$84,399
+HK$4,841/mo
Deposit HK$10.94M · loan HK$16.42M · min. income ≈ HK$159,116/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,285
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,518
−HK$2,266/mo
Today · 4.125%
HK$87,784
baseline
▲ 0.50% · 4.625%
HK$92,412
+HK$4,628/mo
Deposit HK$10.94M · loan HK$16.42M · min. income ≈ HK$175,568/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,341
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,057
−HK$2,761/mo
Today · 4.125%
HK$92,818
baseline
▲ 0.50% · 4.625%
HK$98,465
+HK$5,647/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,636/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,165
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,771
−HK$2,644/mo
Today · 4.125%
HK$102,415
baseline
▲ 0.50% · 4.625%
HK$107,813
+HK$5,398/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,830/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,295
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$115,788
−HK$3,549/mo
Today · 4.125%
HK$119,337
baseline
▲ 0.50% · 4.625%
HK$126,598
+HK$7,261/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,674/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,927
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$128,277
−HK$3,399/mo
Today · 4.125%
HK$131,676
baseline
▲ 0.50% · 4.625%
HK$138,617
+HK$6,941/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,352/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,768 · Scale 2, in force from 26 Feb 2026)