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$62,429
−HK$3,915/mo
▼ 0.25% · 3.875%
HK$64,371
−HK$1,973/mo
Today · 4.125%
HK$66,344
baseline
▲ 0.50% · 4.625%
HK$70,381
+HK$4,037/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,688/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,452
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,314
−HK$1,890/mo
Today · 4.125%
HK$73,204
baseline
▲ 0.50% · 4.625%
HK$77,063
+HK$3,859/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,408/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,915
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$77,245
−HK$2,368/mo
Today · 4.125%
HK$79,613
baseline
▲ 0.50% · 4.625%
HK$84,457
+HK$4,844/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$159,226/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,342
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,577
−HK$2,268/mo
Today · 4.125%
HK$87,845
baseline
▲ 0.50% · 4.625%
HK$92,475
+HK$4,630/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$175,690/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,401
−HK$5,481/mo
▼ 0.25% · 3.875%
HK$90,119
−HK$2,763/mo
Today · 4.125%
HK$92,882
baseline
▲ 0.50% · 4.625%
HK$98,533
+HK$5,651/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$185,764/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,232
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,840
−HK$2,646/mo
Today · 4.125%
HK$102,486
baseline
▲ 0.50% · 4.625%
HK$107,888
+HK$5,402/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$204,972/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,372
−HK$7,047/mo
▼ 0.25% · 3.875%
HK$115,868
−HK$3,551/mo
Today · 4.125%
HK$119,419
baseline
▲ 0.50% · 4.625%
HK$126,686
+HK$7,267/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$238,838/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,013
−HK$6,754/mo
▼ 0.25% · 3.875%
HK$128,366
−HK$3,401/mo
Today · 4.125%
HK$131,767
baseline
▲ 0.50% · 4.625%
HK$138,713
+HK$6,946/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$263,534/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,570 · Scale 2, in force from 26 Feb 2026)