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$62,118
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,050
−HK$1,963/mo
Today · 4.125%
HK$66,013
baseline
▲ 0.50% · 4.625%
HK$70,030
+HK$4,017/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,026/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,106
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,959
−HK$1,880/mo
Today · 4.125%
HK$72,839
baseline
▲ 0.50% · 4.625%
HK$76,679
+HK$3,840/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,678/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,542
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,860
−HK$2,356/mo
Today · 4.125%
HK$79,216
baseline
▲ 0.50% · 4.625%
HK$84,036
+HK$4,820/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,432/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,927
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,151
−HK$2,256/mo
Today · 4.125%
HK$87,407
baseline
▲ 0.50% · 4.625%
HK$92,014
+HK$4,607/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,814/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,965
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,670
−HK$2,749/mo
Today · 4.125%
HK$92,419
baseline
▲ 0.50% · 4.625%
HK$98,042
+HK$5,623/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,838/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,748
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,343
−HK$2,632/mo
Today · 4.125%
HK$101,975
baseline
▲ 0.50% · 4.625%
HK$107,350
+HK$5,375/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,950/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,812
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$115,290
−HK$3,534/mo
Today · 4.125%
HK$118,824
baseline
▲ 0.50% · 4.625%
HK$126,054
+HK$7,230/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$237,648/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,390
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$127,726
−HK$3,385/mo
Today · 4.125%
HK$131,111
baseline
▲ 0.50% · 4.625%
HK$138,022
+HK$6,911/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$262,222/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,771 · Scale 2, in force from 26 Feb 2026)