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$62,222
−HK$3,902/mo
▼ 0.25% · 3.875%
HK$64,158
−HK$1,966/mo
Today · 4.125%
HK$66,124
baseline
▲ 0.50% · 4.625%
HK$70,148
+HK$4,024/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,248/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,222
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,078
−HK$1,883/mo
Today · 4.125%
HK$72,961
baseline
▲ 0.50% · 4.625%
HK$76,807
+HK$3,846/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,922/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,667
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$76,989
−HK$2,360/mo
Today · 4.125%
HK$79,349
baseline
▲ 0.50% · 4.625%
HK$84,177
+HK$4,828/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$158,698/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,066
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,294
−HK$2,260/mo
Today · 4.125%
HK$87,554
baseline
▲ 0.50% · 4.625%
HK$92,169
+HK$4,615/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$175,108/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,111
−HK$5,463/mo
▼ 0.25% · 3.875%
HK$89,821
−HK$2,753/mo
Today · 4.125%
HK$92,574
baseline
▲ 0.50% · 4.625%
HK$98,207
+HK$5,633/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$185,148/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,910
−HK$5,236/mo
▼ 0.25% · 3.875%
HK$99,509
−HK$2,637/mo
Today · 4.125%
HK$102,146
baseline
▲ 0.50% · 4.625%
HK$107,530
+HK$5,384/mo
Deposit HK$8.19M · loan HK$19.10M · min. income ≈ HK$204,292/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,000
−HK$7,023/mo
▼ 0.25% · 3.875%
HK$115,484
−HK$3,539/mo
Today · 4.125%
HK$119,023
baseline
▲ 0.50% · 4.625%
HK$126,266
+HK$7,243/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$238,046/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,599
−HK$6,732/mo
▼ 0.25% · 3.875%
HK$127,941
−HK$3,390/mo
Today · 4.125%
HK$131,331
baseline
▲ 0.50% · 4.625%
HK$138,253
+HK$6,922/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$262,662/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,714 · Scale 2, in force from 26 Feb 2026)