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$62,177
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,111
−HK$1,965/mo
Today · 4.125%
HK$66,076
baseline
▲ 0.50% · 4.625%
HK$70,096
+HK$4,020/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,152/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,171
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,026
−HK$1,882/mo
Today · 4.125%
HK$72,908
baseline
▲ 0.50% · 4.625%
HK$76,751
+HK$3,843/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,816/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,612
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,933
−HK$2,358/mo
Today · 4.125%
HK$79,291
baseline
▲ 0.50% · 4.625%
HK$84,115
+HK$4,824/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$158,582/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,158,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,005
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,231
−HK$2,259/mo
Today · 4.125%
HK$87,490
baseline
▲ 0.50% · 4.625%
HK$92,101
+HK$4,611/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$174,980/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,158,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,047
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,755
−HK$2,751/mo
Today · 4.125%
HK$92,506
baseline
▲ 0.50% · 4.625%
HK$98,135
+HK$5,629/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,012/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,839
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,436
−HK$2,635/mo
Today · 4.125%
HK$102,071
baseline
▲ 0.50% · 4.625%
HK$107,451
+HK$5,380/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,142/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,918
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$115,399
−HK$3,537/mo
Today · 4.125%
HK$118,936
baseline
▲ 0.50% · 4.625%
HK$126,173
+HK$7,237/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$237,872/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,508
−HK$6,726/mo
▼ 0.25% · 3.875%
HK$127,847
−HK$3,387/mo
Today · 4.125%
HK$131,234
baseline
▲ 0.50% · 4.625%
HK$138,152
+HK$6,918/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$262,468/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,864 · Scale 2, in force from 26 Feb 2026)