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$62,076
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$64,007
−HK$1,961/mo
Today · 4.125%
HK$65,968
baseline
▲ 0.50% · 4.625%
HK$69,983
+HK$4,015/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,936/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,059
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,911
−HK$1,879/mo
Today · 4.125%
HK$72,790
baseline
▲ 0.50% · 4.625%
HK$76,627
+HK$3,837/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,580/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,491
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,808
−HK$2,354/mo
Today · 4.125%
HK$79,162
baseline
▲ 0.50% · 4.625%
HK$83,979
+HK$4,817/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$158,324/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,156,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,870
−HK$4,478/mo
▼ 0.25% · 3.875%
HK$85,093
−HK$2,255/mo
Today · 4.125%
HK$87,348
baseline
▲ 0.50% · 4.625%
HK$91,952
+HK$4,604/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$174,696/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,156,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,906
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,609
−HK$2,747/mo
Today · 4.125%
HK$92,356
baseline
▲ 0.50% · 4.625%
HK$97,976
+HK$5,620/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$184,712/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,682
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$99,275
−HK$2,631/mo
Today · 4.125%
HK$101,906
baseline
▲ 0.50% · 4.625%
HK$107,277
+HK$5,371/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$203,812/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,736
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$115,212
−HK$3,531/mo
Today · 4.125%
HK$118,743
baseline
▲ 0.50% · 4.625%
HK$125,969
+HK$7,226/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$237,486/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,985 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,306
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$127,639
−HK$3,382/mo
Today · 4.125%
HK$131,021
baseline
▲ 0.50% · 4.625%
HK$137,928
+HK$6,907/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$262,042/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,985 · Scale 2, in force from 26 Feb 2026)