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$62,379
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,319
−HK$1,972/mo
Today · 4.125%
HK$66,291
baseline
▲ 0.50% · 4.625%
HK$70,324
+HK$4,033/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,582/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,396
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,257
−HK$1,888/mo
Today · 4.125%
HK$73,145
baseline
▲ 0.50% · 4.625%
HK$77,001
+HK$3,856/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,290/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,855
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,183
−HK$2,366/mo
Today · 4.125%
HK$79,549
baseline
▲ 0.50% · 4.625%
HK$84,389
+HK$4,840/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,098/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,275
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,509
−HK$2,265/mo
Today · 4.125%
HK$87,774
baseline
▲ 0.50% · 4.625%
HK$92,401
+HK$4,627/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,548/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,331
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,047
−HK$2,760/mo
Today · 4.125%
HK$92,807
baseline
▲ 0.50% · 4.625%
HK$98,454
+HK$5,647/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,614/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,155
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,760
−HK$2,643/mo
Today · 4.125%
HK$102,403
baseline
▲ 0.50% · 4.625%
HK$107,801
+HK$5,398/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,806/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,282
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$115,775
−HK$3,548/mo
Today · 4.125%
HK$119,323
baseline
▲ 0.50% · 4.625%
HK$126,584
+HK$7,261/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,646/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,913
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$128,263
−HK$3,399/mo
Today · 4.125%
HK$131,662
baseline
▲ 0.50% · 4.625%
HK$138,602
+HK$6,940/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,324/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,637 · Scale 2, in force from 26 Feb 2026)