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$62,348
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,288
−HK$1,970/mo
Today · 4.125%
HK$66,258
baseline
▲ 0.50% · 4.625%
HK$70,290
+HK$4,032/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,516/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,162,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,362
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,222
−HK$1,887/mo
Today · 4.125%
HK$73,109
baseline
▲ 0.50% · 4.625%
HK$76,963
+HK$3,854/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,218/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,162,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,818
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,145
−HK$2,365/mo
Today · 4.125%
HK$79,510
baseline
▲ 0.50% · 4.625%
HK$84,348
+HK$4,838/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,020/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,234
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$85,466
−HK$2,265/mo
Today · 4.125%
HK$87,731
baseline
▲ 0.50% · 4.625%
HK$92,355
+HK$4,624/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,462/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,288
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$90,003
−HK$2,758/mo
Today · 4.125%
HK$92,761
baseline
▲ 0.50% · 4.625%
HK$98,406
+HK$5,645/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$185,522/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,162,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,107
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,711
−HK$2,642/mo
Today · 4.125%
HK$102,353
baseline
▲ 0.50% · 4.625%
HK$107,748
+HK$5,395/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$204,706/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,162,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,227
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$115,718
−HK$3,546/mo
Today · 4.125%
HK$119,264
baseline
▲ 0.50% · 4.625%
HK$126,521
+HK$7,257/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$238,528/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,851
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$128,200
−HK$3,397/mo
Today · 4.125%
HK$131,597
baseline
▲ 0.50% · 4.625%
HK$138,533
+HK$6,936/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$263,194/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,063 · Scale 2, in force from 26 Feb 2026)