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$62,136
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,069
−HK$1,963/mo
Today · 4.125%
HK$66,032
baseline
▲ 0.50% · 4.625%
HK$70,050
+HK$4,018/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,064/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,158,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,126
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,980
−HK$1,880/mo
Today · 4.125%
HK$72,860
baseline
▲ 0.50% · 4.625%
HK$76,701
+HK$3,841/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,720/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,158,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,563
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,882
−HK$2,357/mo
Today · 4.125%
HK$79,239
baseline
▲ 0.50% · 4.625%
HK$84,060
+HK$4,821/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,478/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,951
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,175
−HK$2,257/mo
Today · 4.125%
HK$87,432
baseline
▲ 0.50% · 4.625%
HK$92,041
+HK$4,609/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,864/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,990
−HK$5,455/mo
▼ 0.25% · 3.875%
HK$89,696
−HK$2,749/mo
Today · 4.125%
HK$92,445
baseline
▲ 0.50% · 4.625%
HK$98,070
+HK$5,625/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,890/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,776
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,371
−HK$2,633/mo
Today · 4.125%
HK$102,004
baseline
▲ 0.50% · 4.625%
HK$107,381
+HK$5,377/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$204,008/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,845
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$115,324
−HK$3,534/mo
Today · 4.125%
HK$118,858
baseline
▲ 0.50% · 4.625%
HK$126,091
+HK$7,233/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$237,716/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,426
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$127,763
−HK$3,385/mo
Today · 4.125%
HK$131,148
baseline
▲ 0.50% · 4.625%
HK$138,061
+HK$6,913/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$262,296/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,106 · Scale 2, in force from 26 Feb 2026)