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$62,528
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,473
−HK$1,976/mo
Today · 4.125%
HK$66,449
baseline
▲ 0.50% · 4.625%
HK$70,492
+HK$4,043/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,898/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,562
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,427
−HK$1,893/mo
Today · 4.125%
HK$73,320
baseline
▲ 0.50% · 4.625%
HK$77,184
+HK$3,864/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,640/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,033
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,367
−HK$2,372/mo
Today · 4.125%
HK$79,739
baseline
▲ 0.50% · 4.625%
HK$84,590
+HK$4,851/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$159,478/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,474
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,713
−HK$2,271/mo
Today · 4.125%
HK$87,984
baseline
▲ 0.50% · 4.625%
HK$92,621
+HK$4,637/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$175,968/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,539
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,262
−HK$2,766/mo
Today · 4.125%
HK$93,028
baseline
▲ 0.50% · 4.625%
HK$98,689
+HK$5,661/mo
Deposit HK$8.23M · loan HK$19.19M · min. income ≈ HK$186,056/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,386
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$99,998
−HK$2,650/mo
Today · 4.125%
HK$102,648
baseline
▲ 0.50% · 4.625%
HK$108,058
+HK$5,410/mo
Deposit HK$8.23M · loan HK$19.19M · min. income ≈ HK$205,296/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,550
−HK$7,058/mo
▼ 0.25% · 3.875%
HK$116,051
−HK$3,557/mo
Today · 4.125%
HK$119,608
baseline
▲ 0.50% · 4.625%
HK$126,886
+HK$7,278/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,216/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,211
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$128,569
−HK$3,406/mo
Today · 4.125%
HK$131,975
baseline
▲ 0.50% · 4.625%
HK$138,932
+HK$6,957/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$263,950/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,409 · Scale 2, in force from 26 Feb 2026)