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$62,110
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,042
−HK$1,963/mo
Today · 4.125%
HK$66,005
baseline
▲ 0.50% · 4.625%
HK$70,021
+HK$4,016/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,010/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,097
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,950
−HK$1,880/mo
Today · 4.125%
HK$72,830
baseline
▲ 0.50% · 4.625%
HK$76,669
+HK$3,839/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,660/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,532
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,850
−HK$2,356/mo
Today · 4.125%
HK$79,206
baseline
▲ 0.50% · 4.625%
HK$84,025
+HK$4,819/mo
Deposit HK$10.90M · loan HK$16.34M · min. income ≈ HK$158,412/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,916
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,140
−HK$2,256/mo
Today · 4.125%
HK$87,396
baseline
▲ 0.50% · 4.625%
HK$92,003
+HK$4,607/mo
Deposit HK$10.90M · loan HK$16.34M · min. income ≈ HK$174,792/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,954
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,659
−HK$2,748/mo
Today · 4.125%
HK$92,407
baseline
▲ 0.50% · 4.625%
HK$98,030
+HK$5,623/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,814/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,736
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,330
−HK$2,632/mo
Today · 4.125%
HK$101,962
baseline
▲ 0.50% · 4.625%
HK$107,336
+HK$5,374/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,924/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,798
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$115,276
−HK$3,533/mo
Today · 4.125%
HK$118,809
baseline
▲ 0.50% · 4.625%
HK$126,038
+HK$7,229/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$237,618/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,374
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$127,710
−HK$3,384/mo
Today · 4.125%
HK$131,094
baseline
▲ 0.50% · 4.625%
HK$138,004
+HK$6,910/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$262,188/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,623 · Scale 2, in force from 26 Feb 2026)