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$62,129
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,061
−HK$1,964/mo
Today · 4.125%
HK$66,025
baseline
▲ 0.50% · 4.625%
HK$70,042
+HK$4,017/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,050/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,117
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,971
−HK$1,881/mo
Today · 4.125%
HK$72,852
baseline
▲ 0.50% · 4.625%
HK$76,692
+HK$3,840/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,704/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,554
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,873
−HK$2,356/mo
Today · 4.125%
HK$79,229
baseline
▲ 0.50% · 4.625%
HK$84,050
+HK$4,821/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,458/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,157,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,941
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,165
−HK$2,257/mo
Today · 4.125%
HK$87,422
baseline
▲ 0.50% · 4.625%
HK$92,030
+HK$4,608/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,844/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,157,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,980
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,685
−HK$2,749/mo
Today · 4.125%
HK$92,434
baseline
▲ 0.50% · 4.625%
HK$98,059
+HK$5,625/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,868/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,764
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,359
−HK$2,633/mo
Today · 4.125%
HK$101,992
baseline
▲ 0.50% · 4.625%
HK$107,368
+HK$5,376/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,984/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,831
−HK$7,013/mo
▼ 0.25% · 3.875%
HK$115,310
−HK$3,534/mo
Today · 4.125%
HK$118,844
baseline
▲ 0.50% · 4.625%
HK$126,076
+HK$7,232/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$237,688/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,411
−HK$6,722/mo
▼ 0.25% · 3.875%
HK$127,748
−HK$3,385/mo
Today · 4.125%
HK$131,133
baseline
▲ 0.50% · 4.625%
HK$138,045
+HK$6,912/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$262,266/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,968 · Scale 2, in force from 26 Feb 2026)