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$62,073
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,004
−HK$1,962/mo
Today · 4.125%
HK$65,966
baseline
▲ 0.50% · 4.625%
HK$69,979
+HK$4,013/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,932/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,056
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,908
−HK$1,878/mo
Today · 4.125%
HK$72,786
baseline
▲ 0.50% · 4.625%
HK$76,623
+HK$3,837/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,572/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,488
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,805
−HK$2,354/mo
Today · 4.125%
HK$79,159
baseline
▲ 0.50% · 4.625%
HK$83,975
+HK$4,816/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$158,318/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,156,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,867
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,089
−HK$2,255/mo
Today · 4.125%
HK$87,344
baseline
▲ 0.50% · 4.625%
HK$91,948
+HK$4,604/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$174,688/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,156,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,902
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,605
−HK$2,747/mo
Today · 4.125%
HK$92,352
baseline
▲ 0.50% · 4.625%
HK$97,971
+HK$5,619/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$184,704/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,678
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$99,271
−HK$2,630/mo
Today · 4.125%
HK$101,901
baseline
▲ 0.50% · 4.625%
HK$107,272
+HK$5,371/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$203,802/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,731
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$115,207
−HK$3,531/mo
Today · 4.125%
HK$118,738
baseline
▲ 0.50% · 4.625%
HK$125,963
+HK$7,225/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$237,476/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,300
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$127,634
−HK$3,382/mo
Today · 4.125%
HK$131,016
baseline
▲ 0.50% · 4.625%
HK$137,922
+HK$6,906/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$262,032/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,933 · Scale 2, in force from 26 Feb 2026)