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$62,294
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,232
−HK$1,969/mo
Today · 4.125%
HK$66,201
baseline
▲ 0.50% · 4.625%
HK$70,229
+HK$4,028/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$132,402/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,161,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,302
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$71,160
−HK$1,886/mo
Today · 4.125%
HK$73,046
baseline
▲ 0.50% · 4.625%
HK$76,896
+HK$3,850/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$146,092/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,161,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,753
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,078
−HK$2,363/mo
Today · 4.125%
HK$79,441
baseline
▲ 0.50% · 4.625%
HK$84,275
+HK$4,834/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$158,882/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,162
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,392
−HK$2,263/mo
Today · 4.125%
HK$87,655
baseline
▲ 0.50% · 4.625%
HK$92,275
+HK$4,620/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$175,310/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,212
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$89,925
−HK$2,756/mo
Today · 4.125%
HK$92,681
baseline
▲ 0.50% · 4.625%
HK$98,320
+HK$5,639/mo
Deposit HK$8.20M · loan HK$19.12M · min. income ≈ HK$185,362/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,022
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$99,625
−HK$2,639/mo
Today · 4.125%
HK$102,264
baseline
▲ 0.50% · 4.625%
HK$107,655
+HK$5,391/mo
Deposit HK$8.20M · loan HK$19.12M · min. income ≈ HK$204,528/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,130
−HK$7,031/mo
▼ 0.25% · 3.875%
HK$115,618
−HK$3,543/mo
Today · 4.125%
HK$119,161
baseline
▲ 0.50% · 4.625%
HK$126,412
+HK$7,251/mo
Deposit HK$2.73M · loan HK$24.59M · min. income ≈ HK$238,322/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,743
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$128,089
−HK$3,394/mo
Today · 4.125%
HK$131,483
baseline
▲ 0.50% · 4.625%
HK$138,413
+HK$6,930/mo
Deposit HK$2.73M · loan HK$24.59M · min. income ≈ HK$262,966/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,057 · Scale 2, in force from 26 Feb 2026)