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$62,589
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,536
−HK$1,978/mo
Today · 4.125%
HK$66,514
baseline
▲ 0.50% · 4.625%
HK$70,561
+HK$4,047/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$133,028/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,629
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,497
−HK$1,894/mo
Today · 4.125%
HK$73,391
baseline
▲ 0.50% · 4.625%
HK$77,260
+HK$3,869/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,782/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,107
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,443
−HK$2,373/mo
Today · 4.125%
HK$79,816
baseline
▲ 0.50% · 4.625%
HK$84,673
+HK$4,857/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,632/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,555
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,796
−HK$2,274/mo
Today · 4.125%
HK$88,070
baseline
▲ 0.50% · 4.625%
HK$92,712
+HK$4,642/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,140/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,624
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,350
−HK$2,769/mo
Today · 4.125%
HK$93,119
baseline
▲ 0.50% · 4.625%
HK$98,785
+HK$5,666/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$186,238/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,481
−HK$5,267/mo
▼ 0.25% · 3.875%
HK$100,096
−HK$2,652/mo
Today · 4.125%
HK$102,748
baseline
▲ 0.50% · 4.625%
HK$108,164
+HK$5,416/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$205,496/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,660
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$116,164
−HK$3,561/mo
Today · 4.125%
HK$119,725
baseline
▲ 0.50% · 4.625%
HK$127,010
+HK$7,285/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$239,450/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,333
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$128,694
−HK$3,410/mo
Today · 4.125%
HK$132,104
baseline
▲ 0.50% · 4.625%
HK$139,068
+HK$6,964/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$264,208/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,547 · Scale 2, in force from 26 Feb 2026)