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$62,315
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,253
−HK$1,969/mo
Today · 4.125%
HK$66,222
baseline
▲ 0.50% · 4.625%
HK$70,252
+HK$4,030/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$132,444/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,324
−HK$3,746/mo
▼ 0.25% · 3.875%
HK$71,184
−HK$1,886/mo
Today · 4.125%
HK$73,070
baseline
▲ 0.50% · 4.625%
HK$76,921
+HK$3,851/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$146,140/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,777
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,103
−HK$2,364/mo
Today · 4.125%
HK$79,467
baseline
▲ 0.50% · 4.625%
HK$84,302
+HK$4,835/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$158,934/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,189
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,420
−HK$2,264/mo
Today · 4.125%
HK$87,684
baseline
▲ 0.50% · 4.625%
HK$92,306
+HK$4,622/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$175,368/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,240
−HK$5,471/mo
▼ 0.25% · 3.875%
HK$89,954
−HK$2,757/mo
Today · 4.125%
HK$92,711
baseline
▲ 0.50% · 4.625%
HK$98,352
+HK$5,641/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$185,422/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,054
−HK$5,244/mo
▼ 0.25% · 3.875%
HK$99,657
−HK$2,641/mo
Today · 4.125%
HK$102,298
baseline
▲ 0.50% · 4.625%
HK$107,690
+HK$5,392/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$204,596/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,166
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$115,655
−HK$3,545/mo
Today · 4.125%
HK$119,200
baseline
▲ 0.50% · 4.625%
HK$126,453
+HK$7,253/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$238,400/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,784
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$128,130
−HK$3,395/mo
Today · 4.125%
HK$131,525
baseline
▲ 0.50% · 4.625%
HK$138,458
+HK$6,933/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$263,050/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,435 · Scale 2, in force from 26 Feb 2026)