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$62,425
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,367
−HK$1,972/mo
Today · 4.125%
HK$66,339
baseline
▲ 0.50% · 4.625%
HK$70,376
+HK$4,037/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,678/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,447
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,309
−HK$1,890/mo
Today · 4.125%
HK$73,199
baseline
▲ 0.50% · 4.625%
HK$77,057
+HK$3,858/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,398/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,910
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$77,240
−HK$2,367/mo
Today · 4.125%
HK$79,607
baseline
▲ 0.50% · 4.625%
HK$84,451
+HK$4,844/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$159,214/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,336
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,571
−HK$2,268/mo
Today · 4.125%
HK$87,839
baseline
▲ 0.50% · 4.625%
HK$92,469
+HK$4,630/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$175,678/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,395
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$90,113
−HK$2,762/mo
Today · 4.125%
HK$92,875
baseline
▲ 0.50% · 4.625%
HK$98,526
+HK$5,651/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$185,750/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,226
−HK$5,253/mo
▼ 0.25% · 3.875%
HK$99,833
−HK$2,646/mo
Today · 4.125%
HK$102,479
baseline
▲ 0.50% · 4.625%
HK$107,880
+HK$5,401/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$204,958/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,365
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$115,860
−HK$3,551/mo
Today · 4.125%
HK$119,411
baseline
▲ 0.50% · 4.625%
HK$126,677
+HK$7,266/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$238,822/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,005
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$128,357
−HK$3,401/mo
Today · 4.125%
HK$131,758
baseline
▲ 0.50% · 4.625%
HK$138,703
+HK$6,945/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$263,516/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,490 · Scale 2, in force from 26 Feb 2026)