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$62,246
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,182
−HK$1,967/mo
Today · 4.125%
HK$66,149
baseline
▲ 0.50% · 4.625%
HK$70,174
+HK$4,025/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,298/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,248
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,105
−HK$1,884/mo
Today · 4.125%
HK$72,989
baseline
▲ 0.50% · 4.625%
HK$76,837
+HK$3,848/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$145,978/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,695
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,019
−HK$2,360/mo
Today · 4.125%
HK$79,379
baseline
▲ 0.50% · 4.625%
HK$84,209
+HK$4,830/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,758/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,098
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,326
−HK$2,261/mo
Today · 4.125%
HK$87,587
baseline
▲ 0.50% · 4.625%
HK$92,204
+HK$4,617/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,174/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,144
−HK$5,465/mo
▼ 0.25% · 3.875%
HK$89,855
−HK$2,754/mo
Today · 4.125%
HK$92,609
baseline
▲ 0.50% · 4.625%
HK$98,244
+HK$5,635/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,218/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,947
−HK$5,238/mo
▼ 0.25% · 3.875%
HK$99,547
−HK$2,638/mo
Today · 4.125%
HK$102,185
baseline
▲ 0.50% · 4.625%
HK$107,571
+HK$5,386/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,370/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,043
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$115,528
−HK$3,541/mo
Today · 4.125%
HK$119,069
baseline
▲ 0.50% · 4.625%
HK$126,314
+HK$7,245/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$238,138/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,646
−HK$6,735/mo
▼ 0.25% · 3.875%
HK$127,989
−HK$3,392/mo
Today · 4.125%
HK$131,381
baseline
▲ 0.50% · 4.625%
HK$138,306
+HK$6,925/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$262,762/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,157 · Scale 2, in force from 26 Feb 2026)