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$62,585
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,532
−HK$1,978/mo
Today · 4.125%
HK$66,510
baseline
▲ 0.50% · 4.625%
HK$70,557
+HK$4,047/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$133,020/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,626
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,493
−HK$1,894/mo
Today · 4.125%
HK$73,387
baseline
▲ 0.50% · 4.625%
HK$77,256
+HK$3,869/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,774/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,102
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,439
−HK$2,373/mo
Today · 4.125%
HK$79,812
baseline
▲ 0.50% · 4.625%
HK$84,668
+HK$4,856/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,624/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,551
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,791
−HK$2,274/mo
Today · 4.125%
HK$88,065
baseline
▲ 0.50% · 4.625%
HK$92,707
+HK$4,642/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,130/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,619
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,345
−HK$2,769/mo
Today · 4.125%
HK$93,114
baseline
▲ 0.50% · 4.625%
HK$98,780
+HK$5,666/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$186,228/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,476
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,090
−HK$2,652/mo
Today · 4.125%
HK$102,742
baseline
▲ 0.50% · 4.625%
HK$108,158
+HK$5,416/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$205,484/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,654
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$116,158
−HK$3,560/mo
Today · 4.125%
HK$119,718
baseline
▲ 0.50% · 4.625%
HK$127,003
+HK$7,285/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$239,436/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,326
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$128,687
−HK$3,410/mo
Today · 4.125%
HK$132,097
baseline
▲ 0.50% · 4.625%
HK$139,060
+HK$6,963/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$264,194/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,482 · Scale 2, in force from 26 Feb 2026)