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$62,449
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,391
−HK$1,974/mo
Today · 4.125%
HK$66,365
baseline
▲ 0.50% · 4.625%
HK$70,403
+HK$4,038/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,730/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,163,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,473
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,337
−HK$1,890/mo
Today · 4.125%
HK$73,227
baseline
▲ 0.50% · 4.625%
HK$77,087
+HK$3,860/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,454/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,163,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,938
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,269
−HK$2,369/mo
Today · 4.125%
HK$79,638
baseline
▲ 0.50% · 4.625%
HK$84,483
+HK$4,845/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$159,276/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,368
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,604
−HK$2,268/mo
Today · 4.125%
HK$87,872
baseline
▲ 0.50% · 4.625%
HK$92,504
+HK$4,632/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$175,744/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,428
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$90,147
−HK$2,763/mo
Today · 4.125%
HK$92,910
baseline
▲ 0.50% · 4.625%
HK$98,564
+HK$5,654/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$185,820/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,263
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$99,871
−HK$2,647/mo
Today · 4.125%
HK$102,518
baseline
▲ 0.50% · 4.625%
HK$107,921
+HK$5,403/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$205,036/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,407
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$115,904
−HK$3,552/mo
Today · 4.125%
HK$119,456
baseline
▲ 0.50% · 4.625%
HK$126,725
+HK$7,269/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$238,912/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,052
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$128,406
−HK$3,402/mo
Today · 4.125%
HK$131,808
baseline
▲ 0.50% · 4.625%
HK$138,756
+HK$6,948/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$263,616/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,932 · Scale 2, in force from 26 Feb 2026)