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$62,339
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,278
−HK$1,970/mo
Today · 4.125%
HK$66,248
baseline
▲ 0.50% · 4.625%
HK$70,279
+HK$4,031/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,496/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,351
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,211
−HK$1,887/mo
Today · 4.125%
HK$73,098
baseline
▲ 0.50% · 4.625%
HK$76,951
+HK$3,853/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,196/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,806
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,133
−HK$2,364/mo
Today · 4.125%
HK$79,497
baseline
▲ 0.50% · 4.625%
HK$84,335
+HK$4,838/mo
Deposit HK$10.94M · loan HK$16.40M · min. income ≈ HK$158,994/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,221
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,453
−HK$2,264/mo
Today · 4.125%
HK$87,717
baseline
▲ 0.50% · 4.625%
HK$92,341
+HK$4,624/mo
Deposit HK$10.94M · loan HK$16.40M · min. income ≈ HK$175,434/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,274
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$89,989
−HK$2,758/mo
Today · 4.125%
HK$92,747
baseline
▲ 0.50% · 4.625%
HK$98,390
+HK$5,643/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$185,494/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,091
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,695
−HK$2,642/mo
Today · 4.125%
HK$102,337
baseline
▲ 0.50% · 4.625%
HK$107,731
+HK$5,394/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$204,674/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,209
−HK$7,037/mo
▼ 0.25% · 3.875%
HK$115,700
−HK$3,546/mo
Today · 4.125%
HK$119,246
baseline
▲ 0.50% · 4.625%
HK$126,502
+HK$7,256/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$238,492/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,832
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$128,180
−HK$3,396/mo
Today · 4.125%
HK$131,576
baseline
▲ 0.50% · 4.625%
HK$138,512
+HK$6,936/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$263,152/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,883 · Scale 2, in force from 26 Feb 2026)