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$62,112
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,044
−HK$1,963/mo
Today · 4.125%
HK$66,007
baseline
▲ 0.50% · 4.625%
HK$70,024
+HK$4,017/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,014/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,099
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,952
−HK$1,880/mo
Today · 4.125%
HK$72,832
baseline
▲ 0.50% · 4.625%
HK$76,672
+HK$3,840/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,664/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,535
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,853
−HK$2,356/mo
Today · 4.125%
HK$79,209
baseline
▲ 0.50% · 4.625%
HK$84,028
+HK$4,819/mo
Deposit HK$10.90M · loan HK$16.34M · min. income ≈ HK$158,418/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,919
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,143
−HK$2,256/mo
Today · 4.125%
HK$87,399
baseline
▲ 0.50% · 4.625%
HK$92,006
+HK$4,607/mo
Deposit HK$10.90M · loan HK$16.34M · min. income ≈ HK$174,798/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,957
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,662
−HK$2,748/mo
Today · 4.125%
HK$92,410
baseline
▲ 0.50% · 4.625%
HK$98,033
+HK$5,623/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,820/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,739
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,333
−HK$2,632/mo
Today · 4.125%
HK$101,965
baseline
▲ 0.50% · 4.625%
HK$107,340
+HK$5,375/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,930/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,802
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$115,280
−HK$3,533/mo
Today · 4.125%
HK$118,813
baseline
▲ 0.50% · 4.625%
HK$126,042
+HK$7,229/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$237,626/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,379
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$127,714
−HK$3,384/mo
Today · 4.125%
HK$131,098
baseline
▲ 0.50% · 4.625%
HK$138,009
+HK$6,911/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$262,196/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,664 · Scale 2, in force from 26 Feb 2026)