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$62,170
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,104
−HK$1,964/mo
Today · 4.125%
HK$66,068
baseline
▲ 0.50% · 4.625%
HK$70,088
+HK$4,020/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,136/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,163
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,018
−HK$1,882/mo
Today · 4.125%
HK$72,900
baseline
▲ 0.50% · 4.625%
HK$76,743
+HK$3,843/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,800/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,604
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,924
−HK$2,358/mo
Today · 4.125%
HK$79,282
baseline
▲ 0.50% · 4.625%
HK$84,106
+HK$4,824/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$158,564/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,996
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,222
−HK$2,258/mo
Today · 4.125%
HK$87,480
baseline
▲ 0.50% · 4.625%
HK$92,091
+HK$4,611/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$174,960/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,038
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,745
−HK$2,751/mo
Today · 4.125%
HK$92,496
baseline
▲ 0.50% · 4.625%
HK$98,124
+HK$5,628/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$184,992/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,828
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,425
−HK$2,635/mo
Today · 4.125%
HK$102,060
baseline
▲ 0.50% · 4.625%
HK$107,440
+HK$5,380/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,120/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,906
−HK$7,017/mo
▼ 0.25% · 3.875%
HK$115,386
−HK$3,537/mo
Today · 4.125%
HK$118,923
baseline
▲ 0.50% · 4.625%
HK$126,159
+HK$7,236/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$237,846/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,494
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$127,833
−HK$3,387/mo
Today · 4.125%
HK$131,220
baseline
▲ 0.50% · 4.625%
HK$138,137
+HK$6,917/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$262,440/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,736 · Scale 2, in force from 26 Feb 2026)