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$62,103
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,035
−HK$1,962/mo
Today · 4.125%
HK$65,997
baseline
▲ 0.50% · 4.625%
HK$70,013
+HK$4,016/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$131,994/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,089
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,942
−HK$1,880/mo
Today · 4.125%
HK$72,822
baseline
▲ 0.50% · 4.625%
HK$76,660
+HK$3,838/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,644/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,524
−HK$4,673/mo
▼ 0.25% · 3.875%
HK$76,842
−HK$2,355/mo
Today · 4.125%
HK$79,197
baseline
▲ 0.50% · 4.625%
HK$84,016
+HK$4,819/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$158,394/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,907
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,130
−HK$2,256/mo
Today · 4.125%
HK$87,386
baseline
▲ 0.50% · 4.625%
HK$91,992
+HK$4,606/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$174,772/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,944
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$89,649
−HK$2,747/mo
Today · 4.125%
HK$92,396
baseline
▲ 0.50% · 4.625%
HK$98,019
+HK$5,623/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$184,792/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,725
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$99,319
−HK$2,631/mo
Today · 4.125%
HK$101,950
baseline
▲ 0.50% · 4.625%
HK$107,324
+HK$5,374/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$203,900/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,786
−HK$7,009/mo
▼ 0.25% · 3.875%
HK$115,263
−HK$3,532/mo
Today · 4.125%
HK$118,795
baseline
▲ 0.50% · 4.625%
HK$126,024
+HK$7,229/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$237,590/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,360
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$127,696
−HK$3,383/mo
Today · 4.125%
HK$131,079
baseline
▲ 0.50% · 4.625%
HK$137,988
+HK$6,909/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$262,158/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,493 · Scale 2, in force from 26 Feb 2026)