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$62,153
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,086
−HK$1,965/mo
Today · 4.125%
HK$66,051
baseline
▲ 0.50% · 4.625%
HK$70,070
+HK$4,019/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,102/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,145
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,999
−HK$1,881/mo
Today · 4.125%
HK$72,880
baseline
▲ 0.50% · 4.625%
HK$76,722
+HK$3,842/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,760/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,584
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,904
−HK$2,357/mo
Today · 4.125%
HK$79,261
baseline
▲ 0.50% · 4.625%
HK$84,084
+HK$4,823/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,522/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,974
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,199
−HK$2,257/mo
Today · 4.125%
HK$87,456
baseline
▲ 0.50% · 4.625%
HK$92,066
+HK$4,610/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,912/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,014
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$89,721
−HK$2,750/mo
Today · 4.125%
HK$92,471
baseline
▲ 0.50% · 4.625%
HK$98,098
+HK$5,627/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$184,942/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,803
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,399
−HK$2,634/mo
Today · 4.125%
HK$102,033
baseline
▲ 0.50% · 4.625%
HK$107,411
+HK$5,378/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$204,066/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,876
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$115,356
−HK$3,535/mo
Today · 4.125%
HK$118,891
baseline
▲ 0.50% · 4.625%
HK$126,125
+HK$7,234/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$237,782/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,426 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,460
−HK$6,725/mo
▼ 0.25% · 3.875%
HK$127,798
−HK$3,387/mo
Today · 4.125%
HK$131,185
baseline
▲ 0.50% · 4.625%
HK$138,100
+HK$6,915/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$262,370/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,426 · Scale 2, in force from 26 Feb 2026)