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$62,511
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,456
−HK$1,975/mo
Today · 4.125%
HK$66,431
baseline
▲ 0.50% · 4.625%
HK$70,474
+HK$4,043/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,862/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,543
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,408
−HK$1,893/mo
Today · 4.125%
HK$73,301
baseline
▲ 0.50% · 4.625%
HK$77,164
+HK$3,863/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,602/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,014
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,347
−HK$2,371/mo
Today · 4.125%
HK$79,718
baseline
▲ 0.50% · 4.625%
HK$84,568
+HK$4,850/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$159,436/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,452
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,690
−HK$2,271/mo
Today · 4.125%
HK$87,961
baseline
▲ 0.50% · 4.625%
HK$92,597
+HK$4,636/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$175,922/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,516
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,238
−HK$2,766/mo
Today · 4.125%
HK$93,004
baseline
▲ 0.50% · 4.625%
HK$98,663
+HK$5,659/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$186,008/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,361
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,972
−HK$2,649/mo
Today · 4.125%
HK$102,621
baseline
▲ 0.50% · 4.625%
HK$108,030
+HK$5,409/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$205,242/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,521
−HK$7,056/mo
▼ 0.25% · 3.875%
HK$116,021
−HK$3,556/mo
Today · 4.125%
HK$119,577
baseline
▲ 0.50% · 4.625%
HK$126,853
+HK$7,276/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$239,154/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,178
−HK$6,763/mo
▼ 0.25% · 3.875%
HK$128,535
−HK$3,406/mo
Today · 4.125%
HK$131,941
baseline
▲ 0.50% · 4.625%
HK$138,896
+HK$6,955/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$263,882/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,105 · Scale 2, in force from 26 Feb 2026)