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$62,329
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,268
−HK$1,969/mo
Today · 4.125%
HK$66,237
baseline
▲ 0.50% · 4.625%
HK$70,268
+HK$4,031/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,474/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,340
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,200
−HK$1,886/mo
Today · 4.125%
HK$73,086
baseline
▲ 0.50% · 4.625%
HK$76,939
+HK$3,853/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,172/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,795
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,121
−HK$2,364/mo
Today · 4.125%
HK$79,485
baseline
▲ 0.50% · 4.625%
HK$84,321
+HK$4,836/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$158,970/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,208
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,440
−HK$2,264/mo
Today · 4.125%
HK$87,704
baseline
▲ 0.50% · 4.625%
HK$92,327
+HK$4,623/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$175,408/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,260
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$89,975
−HK$2,757/mo
Today · 4.125%
HK$92,732
baseline
▲ 0.50% · 4.625%
HK$98,375
+HK$5,643/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$185,464/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,076
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$99,680
−HK$2,641/mo
Today · 4.125%
HK$102,321
baseline
▲ 0.50% · 4.625%
HK$107,714
+HK$5,393/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$204,642/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,192
−HK$7,035/mo
▼ 0.25% · 3.875%
HK$115,682
−HK$3,545/mo
Today · 4.125%
HK$119,227
baseline
▲ 0.50% · 4.625%
HK$126,482
+HK$7,255/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$238,454/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,700 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,812
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$128,160
−HK$3,396/mo
Today · 4.125%
HK$131,556
baseline
▲ 0.50% · 4.625%
HK$138,490
+HK$6,934/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$263,112/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,700 · Scale 2, in force from 26 Feb 2026)