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$62,398
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,339
−HK$1,972/mo
Today · 4.125%
HK$66,311
baseline
▲ 0.50% · 4.625%
HK$70,345
+HK$4,034/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,622/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,162,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,417
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,278
−HK$1,889/mo
Today · 4.125%
HK$73,167
baseline
▲ 0.50% · 4.625%
HK$77,024
+HK$3,857/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,334/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,162,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,877
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,206
−HK$2,367/mo
Today · 4.125%
HK$79,573
baseline
▲ 0.50% · 4.625%
HK$84,414
+HK$4,841/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$159,146/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,300
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,534
−HK$2,267/mo
Today · 4.125%
HK$87,801
baseline
▲ 0.50% · 4.625%
HK$92,429
+HK$4,628/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$175,602/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,357
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,074
−HK$2,761/mo
Today · 4.125%
HK$92,835
baseline
▲ 0.50% · 4.625%
HK$98,483
+HK$5,648/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$185,670/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,183
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,790
−HK$2,644/mo
Today · 4.125%
HK$102,434
baseline
▲ 0.50% · 4.625%
HK$107,833
+HK$5,399/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$204,868/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,316
−HK$7,043/mo
▼ 0.25% · 3.875%
HK$115,809
−HK$3,550/mo
Today · 4.125%
HK$119,359
baseline
▲ 0.50% · 4.625%
HK$126,622
+HK$7,263/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$238,718/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,950
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$128,301
−HK$3,400/mo
Today · 4.125%
HK$131,701
baseline
▲ 0.50% · 4.625%
HK$138,643
+HK$6,942/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$263,402/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,984 · Scale 2, in force from 26 Feb 2026)