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$62,377
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,317
−HK$1,972/mo
Today · 4.125%
HK$66,289
baseline
▲ 0.50% · 4.625%
HK$70,322
+HK$4,033/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,578/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,394
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,255
−HK$1,888/mo
Today · 4.125%
HK$73,143
baseline
▲ 0.50% · 4.625%
HK$76,999
+HK$3,856/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,286/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,853
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,181
−HK$2,366/mo
Today · 4.125%
HK$79,547
baseline
▲ 0.50% · 4.625%
HK$84,387
+HK$4,840/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,094/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,273
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,506
−HK$2,266/mo
Today · 4.125%
HK$87,772
baseline
▲ 0.50% · 4.625%
HK$92,398
+HK$4,626/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,544/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,328
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,044
−HK$2,760/mo
Today · 4.125%
HK$92,804
baseline
▲ 0.50% · 4.625%
HK$98,451
+HK$5,647/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,608/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,152
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,757
−HK$2,643/mo
Today · 4.125%
HK$102,400
baseline
▲ 0.50% · 4.625%
HK$107,798
+HK$5,398/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,800/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,279
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$115,771
−HK$3,549/mo
Today · 4.125%
HK$119,320
baseline
▲ 0.50% · 4.625%
HK$126,580
+HK$7,260/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,640/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,909
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$128,259
−HK$3,399/mo
Today · 4.125%
HK$131,658
baseline
▲ 0.50% · 4.625%
HK$138,597
+HK$6,939/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,316/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,602 · Scale 2, in force from 26 Feb 2026)