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$62,504
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,449
−HK$1,975/mo
Today · 4.125%
HK$66,424
baseline
▲ 0.50% · 4.625%
HK$70,466
+HK$4,042/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,848/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,535
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,400
−HK$1,892/mo
Today · 4.125%
HK$73,292
baseline
▲ 0.50% · 4.625%
HK$77,156
+HK$3,864/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,584/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,005
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,338
−HK$2,371/mo
Today · 4.125%
HK$79,709
baseline
▲ 0.50% · 4.625%
HK$84,559
+HK$4,850/mo
Deposit HK$10.96M · loan HK$16.45M · min. income ≈ HK$159,418/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,442
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,680
−HK$2,271/mo
Today · 4.125%
HK$87,951
baseline
▲ 0.50% · 4.625%
HK$92,587
+HK$4,636/mo
Deposit HK$10.96M · loan HK$16.45M · min. income ≈ HK$175,902/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,506
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$90,228
−HK$2,765/mo
Today · 4.125%
HK$92,993
baseline
▲ 0.50% · 4.625%
HK$98,652
+HK$5,659/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$185,986/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,350
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,960
−HK$2,649/mo
Today · 4.125%
HK$102,609
baseline
▲ 0.50% · 4.625%
HK$108,018
+HK$5,409/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$205,218/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,508
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$116,007
−HK$3,556/mo
Today · 4.125%
HK$119,563
baseline
▲ 0.50% · 4.625%
HK$126,838
+HK$7,275/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$239,126/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,164
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$128,521
−HK$3,405/mo
Today · 4.125%
HK$131,926
baseline
▲ 0.50% · 4.625%
HK$138,880
+HK$6,954/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$263,852/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,972 · Scale 2, in force from 26 Feb 2026)