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$62,205
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,140
−HK$1,966/mo
Today · 4.125%
HK$66,106
baseline
▲ 0.50% · 4.625%
HK$70,128
+HK$4,022/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,212/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,202
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,058
−HK$1,883/mo
Today · 4.125%
HK$72,941
baseline
▲ 0.50% · 4.625%
HK$76,786
+HK$3,845/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,882/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,646
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$76,968
−HK$2,359/mo
Today · 4.125%
HK$79,327
baseline
▲ 0.50% · 4.625%
HK$84,154
+HK$4,827/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$158,654/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,043
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$85,270
−HK$2,259/mo
Today · 4.125%
HK$87,529
baseline
▲ 0.50% · 4.625%
HK$92,143
+HK$4,614/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$175,058/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,087
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,796
−HK$2,752/mo
Today · 4.125%
HK$92,548
baseline
▲ 0.50% · 4.625%
HK$98,179
+HK$5,631/mo
Deposit HK$8.18M · loan HK$19.10M · min. income ≈ HK$185,096/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,883
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,482
−HK$2,636/mo
Today · 4.125%
HK$102,118
baseline
▲ 0.50% · 4.625%
HK$107,500
+HK$5,382/mo
Deposit HK$8.18M · loan HK$19.10M · min. income ≈ HK$204,236/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,969
−HK$7,021/mo
▼ 0.25% · 3.875%
HK$115,452
−HK$3,538/mo
Today · 4.125%
HK$118,990
baseline
▲ 0.50% · 4.625%
HK$126,231
+HK$7,241/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$237,980/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,564
−HK$6,730/mo
▼ 0.25% · 3.875%
HK$127,905
−HK$3,389/mo
Today · 4.125%
HK$131,294
baseline
▲ 0.50% · 4.625%
HK$138,215
+HK$6,921/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$262,588/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,393 · Scale 2, in force from 26 Feb 2026)