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$62,374
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,314
−HK$1,971/mo
Today · 4.125%
HK$66,285
baseline
▲ 0.50% · 4.625%
HK$70,319
+HK$4,034/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,570/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,390
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,251
−HK$1,888/mo
Today · 4.125%
HK$73,139
baseline
▲ 0.50% · 4.625%
HK$76,995
+HK$3,856/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,278/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,849
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,177
−HK$2,365/mo
Today · 4.125%
HK$79,542
baseline
▲ 0.50% · 4.625%
HK$84,382
+HK$4,840/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,084/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,268
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,502
−HK$2,265/mo
Today · 4.125%
HK$87,767
baseline
▲ 0.50% · 4.625%
HK$92,393
+HK$4,626/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,534/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,323
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,040
−HK$2,759/mo
Today · 4.125%
HK$92,799
baseline
▲ 0.50% · 4.625%
HK$98,446
+HK$5,647/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,598/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,146
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,752
−HK$2,643/mo
Today · 4.125%
HK$102,395
baseline
▲ 0.50% · 4.625%
HK$107,792
+HK$5,397/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,790/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,273
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$115,765
−HK$3,548/mo
Today · 4.125%
HK$119,313
baseline
▲ 0.50% · 4.625%
HK$126,573
+HK$7,260/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,626/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,903
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$128,252
−HK$3,399/mo
Today · 4.125%
HK$131,651
baseline
▲ 0.50% · 4.625%
HK$138,590
+HK$6,939/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,302/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,540 · Scale 2, in force from 26 Feb 2026)