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$62,162
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,096
−HK$1,964/mo
Today · 4.125%
HK$66,060
baseline
▲ 0.50% · 4.625%
HK$70,080
+HK$4,020/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,120/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,155
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,009
−HK$1,882/mo
Today · 4.125%
HK$72,891
baseline
▲ 0.50% · 4.625%
HK$76,733
+HK$3,842/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,782/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,594
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,915
−HK$2,357/mo
Today · 4.125%
HK$79,272
baseline
▲ 0.50% · 4.625%
HK$84,096
+HK$4,824/mo
Deposit HK$10.90M · loan HK$16.36M · min. income ≈ HK$158,544/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,986
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,211
−HK$2,258/mo
Today · 4.125%
HK$87,469
baseline
▲ 0.50% · 4.625%
HK$92,080
+HK$4,611/mo
Deposit HK$10.90M · loan HK$16.36M · min. income ≈ HK$174,938/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,027
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$89,734
−HK$2,750/mo
Today · 4.125%
HK$92,484
baseline
▲ 0.50% · 4.625%
HK$98,112
+HK$5,628/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$184,968/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,817
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,413
−HK$2,634/mo
Today · 4.125%
HK$102,047
baseline
▲ 0.50% · 4.625%
HK$107,426
+HK$5,379/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$204,094/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,892
−HK$7,016/mo
▼ 0.25% · 3.875%
HK$115,372
−HK$3,536/mo
Today · 4.125%
HK$118,908
baseline
▲ 0.50% · 4.625%
HK$126,144
+HK$7,236/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$237,816/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,478
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$127,817
−HK$3,387/mo
Today · 4.125%
HK$131,204
baseline
▲ 0.50% · 4.625%
HK$138,120
+HK$6,916/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$262,408/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,593 · Scale 2, in force from 26 Feb 2026)