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$62,529
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,474
−HK$1,976/mo
Today · 4.125%
HK$66,450
baseline
▲ 0.50% · 4.625%
HK$70,494
+HK$4,044/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,900/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,563
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,429
−HK$1,892/mo
Today · 4.125%
HK$73,321
baseline
▲ 0.50% · 4.625%
HK$77,186
+HK$3,865/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,642/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,035
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,369
−HK$2,371/mo
Today · 4.125%
HK$79,740
baseline
▲ 0.50% · 4.625%
HK$84,592
+HK$4,852/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$159,480/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,476
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,715
−HK$2,271/mo
Today · 4.125%
HK$87,986
baseline
▲ 0.50% · 4.625%
HK$92,624
+HK$4,638/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$175,972/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,541
−HK$5,490/mo
▼ 0.25% · 3.875%
HK$90,264
−HK$2,767/mo
Today · 4.125%
HK$93,031
baseline
▲ 0.50% · 4.625%
HK$98,691
+HK$5,660/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,062/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,388
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,000
−HK$2,650/mo
Today · 4.125%
HK$102,650
baseline
▲ 0.50% · 4.625%
HK$108,061
+HK$5,411/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,300/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,553
−HK$7,058/mo
▼ 0.25% · 3.875%
HK$116,054
−HK$3,557/mo
Today · 4.125%
HK$119,611
baseline
▲ 0.50% · 4.625%
HK$126,889
+HK$7,278/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,222/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,214
−HK$6,765/mo
▼ 0.25% · 3.875%
HK$128,572
−HK$3,407/mo
Today · 4.125%
HK$131,979
baseline
▲ 0.50% · 4.625%
HK$138,935
+HK$6,956/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$263,958/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,436 · Scale 2, in force from 26 Feb 2026)