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$62,181
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,116
−HK$1,965/mo
Today · 4.125%
HK$66,081
baseline
▲ 0.50% · 4.625%
HK$70,102
+HK$4,021/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,162/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,176
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,031
−HK$1,883/mo
Today · 4.125%
HK$72,914
baseline
▲ 0.50% · 4.625%
HK$76,757
+HK$3,843/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,828/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,618
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,939
−HK$2,358/mo
Today · 4.125%
HK$79,297
baseline
▲ 0.50% · 4.625%
HK$84,122
+HK$4,825/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$158,594/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,158,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,011
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,238
−HK$2,258/mo
Today · 4.125%
HK$87,496
baseline
▲ 0.50% · 4.625%
HK$92,108
+HK$4,612/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$174,992/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,158,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,054
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,762
−HK$2,751/mo
Today · 4.125%
HK$92,513
baseline
▲ 0.50% · 4.625%
HK$98,142
+HK$5,629/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,026/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,847
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,444
−HK$2,635/mo
Today · 4.125%
HK$102,079
baseline
▲ 0.50% · 4.625%
HK$107,460
+HK$5,381/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,158/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,927
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$115,408
−HK$3,537/mo
Today · 4.125%
HK$118,945
baseline
▲ 0.50% · 4.625%
HK$126,183
+HK$7,238/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$237,890/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,517
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$127,857
−HK$3,387/mo
Today · 4.125%
HK$131,244
baseline
▲ 0.50% · 4.625%
HK$138,162
+HK$6,918/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$262,488/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,953 · Scale 2, in force from 26 Feb 2026)