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$62,321
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,260
−HK$1,969/mo
Today · 4.125%
HK$66,229
baseline
▲ 0.50% · 4.625%
HK$70,259
+HK$4,030/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,458/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,332
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,191
−HK$1,887/mo
Today · 4.125%
HK$73,078
baseline
▲ 0.50% · 4.625%
HK$76,930
+HK$3,852/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,156/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,786
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,112
−HK$2,363/mo
Today · 4.125%
HK$79,475
baseline
▲ 0.50% · 4.625%
HK$84,311
+HK$4,836/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$158,950/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,198
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,429
−HK$2,264/mo
Today · 4.125%
HK$87,693
baseline
▲ 0.50% · 4.625%
HK$92,316
+HK$4,623/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$175,386/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,250
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$89,964
−HK$2,757/mo
Today · 4.125%
HK$92,721
baseline
▲ 0.50% · 4.625%
HK$98,363
+HK$5,642/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$185,442/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,065
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$99,668
−HK$2,641/mo
Today · 4.125%
HK$102,309
baseline
▲ 0.50% · 4.625%
HK$107,701
+HK$5,392/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$204,618/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,178
−HK$7,035/mo
▼ 0.25% · 3.875%
HK$115,668
−HK$3,545/mo
Today · 4.125%
HK$119,213
baseline
▲ 0.50% · 4.625%
HK$126,467
+HK$7,254/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$238,426/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,797
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$128,144
−HK$3,396/mo
Today · 4.125%
HK$131,540
baseline
▲ 0.50% · 4.625%
HK$138,473
+HK$6,933/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$263,080/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,560 · Scale 2, in force from 26 Feb 2026)