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$62,461
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,403
−HK$1,974/mo
Today · 4.125%
HK$66,377
baseline
▲ 0.50% · 4.625%
HK$70,416
+HK$4,039/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,754/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,487
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,350
−HK$1,891/mo
Today · 4.125%
HK$73,241
baseline
▲ 0.50% · 4.625%
HK$77,102
+HK$3,861/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,482/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,953
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,284
−HK$2,369/mo
Today · 4.125%
HK$79,653
baseline
▲ 0.50% · 4.625%
HK$84,500
+HK$4,847/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,306/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,384
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,620
−HK$2,269/mo
Today · 4.125%
HK$87,889
baseline
▲ 0.50% · 4.625%
HK$92,522
+HK$4,633/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,778/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,445
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,165
−HK$2,763/mo
Today · 4.125%
HK$92,928
baseline
▲ 0.50% · 4.625%
HK$98,583
+HK$5,655/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$185,856/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,282
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$99,891
−HK$2,646/mo
Today · 4.125%
HK$102,537
baseline
▲ 0.50% · 4.625%
HK$107,942
+HK$5,405/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$205,074/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,429
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$115,926
−HK$3,553/mo
Today · 4.125%
HK$119,479
baseline
▲ 0.50% · 4.625%
HK$126,749
+HK$7,270/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$238,958/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,076
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$128,431
−HK$3,403/mo
Today · 4.125%
HK$131,834
baseline
▲ 0.50% · 4.625%
HK$138,783
+HK$6,949/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$263,668/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,157 · Scale 2, in force from 26 Feb 2026)