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$62,452
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,395
−HK$1,974/mo
Today · 4.125%
HK$66,369
baseline
▲ 0.50% · 4.625%
HK$70,407
+HK$4,038/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,738/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,478
−HK$3,753/mo
▼ 0.25% · 3.875%
HK$71,341
−HK$1,890/mo
Today · 4.125%
HK$73,231
baseline
▲ 0.50% · 4.625%
HK$77,091
+HK$3,860/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,462/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,943
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$77,274
−HK$2,368/mo
Today · 4.125%
HK$79,642
baseline
▲ 0.50% · 4.625%
HK$84,488
+HK$4,846/mo
Deposit HK$10.96M · loan HK$16.43M · min. income ≈ HK$159,284/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,373
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,609
−HK$2,268/mo
Today · 4.125%
HK$87,877
baseline
▲ 0.50% · 4.625%
HK$92,510
+HK$4,633/mo
Deposit HK$10.96M · loan HK$16.43M · min. income ≈ HK$175,754/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,433
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,153
−HK$2,763/mo
Today · 4.125%
HK$92,916
baseline
▲ 0.50% · 4.625%
HK$98,570
+HK$5,654/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$185,832/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,269
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$99,877
−HK$2,647/mo
Today · 4.125%
HK$102,524
baseline
▲ 0.50% · 4.625%
HK$107,928
+HK$5,404/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$205,048/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,414
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$115,911
−HK$3,553/mo
Today · 4.125%
HK$119,464
baseline
▲ 0.50% · 4.625%
HK$126,733
+HK$7,269/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$238,928/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,060
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$128,414
−HK$3,402/mo
Today · 4.125%
HK$131,816
baseline
▲ 0.50% · 4.625%
HK$138,764
+HK$6,948/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$263,632/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,003 · Scale 2, in force from 26 Feb 2026)