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$62,186
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,121
−HK$1,965/mo
Today · 4.125%
HK$66,086
baseline
▲ 0.50% · 4.625%
HK$70,107
+HK$4,021/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,172/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,159,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,182
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,037
−HK$1,882/mo
Today · 4.125%
HK$72,919
baseline
▲ 0.50% · 4.625%
HK$76,763
+HK$3,844/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,838/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,159,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,623
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,945
−HK$2,358/mo
Today · 4.125%
HK$79,303
baseline
▲ 0.50% · 4.625%
HK$84,128
+HK$4,825/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$158,606/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,018
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,244
−HK$2,259/mo
Today · 4.125%
HK$87,503
baseline
▲ 0.50% · 4.625%
HK$92,115
+HK$4,612/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$175,006/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,061
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,769
−HK$2,751/mo
Today · 4.125%
HK$92,520
baseline
▲ 0.50% · 4.625%
HK$98,150
+HK$5,630/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,040/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,854
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,452
−HK$2,635/mo
Today · 4.125%
HK$102,087
baseline
▲ 0.50% · 4.625%
HK$107,468
+HK$5,381/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,174/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,935
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$115,417
−HK$3,537/mo
Today · 4.125%
HK$118,954
baseline
▲ 0.50% · 4.625%
HK$126,193
+HK$7,239/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$237,908/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,527
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$127,866
−HK$3,389/mo
Today · 4.125%
HK$131,255
baseline
▲ 0.50% · 4.625%
HK$138,173
+HK$6,918/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$262,510/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,043 · Scale 2, in force from 26 Feb 2026)