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$62,282
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,219
−HK$1,968/mo
Today · 4.125%
HK$66,187
baseline
▲ 0.50% · 4.625%
HK$70,215
+HK$4,028/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$132,374/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,288
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,146
−HK$1,885/mo
Today · 4.125%
HK$73,031
baseline
▲ 0.50% · 4.625%
HK$76,881
+HK$3,850/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$146,062/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,738
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,063
−HK$2,362/mo
Today · 4.125%
HK$79,425
baseline
▲ 0.50% · 4.625%
HK$84,258
+HK$4,833/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$158,850/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,160,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,146
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,375
−HK$2,263/mo
Today · 4.125%
HK$87,638
baseline
▲ 0.50% · 4.625%
HK$92,257
+HK$4,619/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$175,276/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,160,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,195
−HK$5,467/mo
▼ 0.25% · 3.875%
HK$89,907
−HK$2,755/mo
Today · 4.125%
HK$92,662
baseline
▲ 0.50% · 4.625%
HK$98,301
+HK$5,639/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$185,324/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,003
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,605
−HK$2,639/mo
Today · 4.125%
HK$102,244
baseline
▲ 0.50% · 4.625%
HK$107,633
+HK$5,389/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$204,488/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,107
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$115,595
−HK$3,542/mo
Today · 4.125%
HK$119,137
baseline
▲ 0.50% · 4.625%
HK$126,387
+HK$7,250/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$238,274/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,718
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$128,063
−HK$3,393/mo
Today · 4.125%
HK$131,456
baseline
▲ 0.50% · 4.625%
HK$138,386
+HK$6,930/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$262,912/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,826 · Scale 2, in force from 26 Feb 2026)