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$62,199
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,134
−HK$1,966/mo
Today · 4.125%
HK$66,100
baseline
▲ 0.50% · 4.625%
HK$70,122
+HK$4,022/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,200/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,196
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,052
−HK$1,882/mo
Today · 4.125%
HK$72,934
baseline
▲ 0.50% · 4.625%
HK$76,779
+HK$3,845/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,868/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,639
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$76,961
−HK$2,359/mo
Today · 4.125%
HK$79,320
baseline
▲ 0.50% · 4.625%
HK$84,146
+HK$4,826/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$158,640/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,035
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$85,262
−HK$2,259/mo
Today · 4.125%
HK$87,521
baseline
▲ 0.50% · 4.625%
HK$92,135
+HK$4,614/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$175,042/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,079
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,788
−HK$2,752/mo
Today · 4.125%
HK$92,540
baseline
▲ 0.50% · 4.625%
HK$98,170
+HK$5,630/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,080/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,874
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,473
−HK$2,635/mo
Today · 4.125%
HK$102,108
baseline
▲ 0.50% · 4.625%
HK$107,490
+HK$5,382/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,216/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,959
−HK$7,020/mo
▼ 0.25% · 3.875%
HK$115,441
−HK$3,538/mo
Today · 4.125%
HK$118,979
baseline
▲ 0.50% · 4.625%
HK$126,219
+HK$7,240/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$237,958/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,553
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$127,893
−HK$3,389/mo
Today · 4.125%
HK$131,282
baseline
▲ 0.50% · 4.625%
HK$138,202
+HK$6,920/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$262,564/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,285 · Scale 2, in force from 26 Feb 2026)