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$62,276
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,213
−HK$1,968/mo
Today · 4.125%
HK$66,181
baseline
▲ 0.50% · 4.625%
HK$70,208
+HK$4,027/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$132,362/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,281
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,139
−HK$1,885/mo
Today · 4.125%
HK$73,024
baseline
▲ 0.50% · 4.625%
HK$76,874
+HK$3,850/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$146,048/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,731
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,056
−HK$2,361/mo
Today · 4.125%
HK$79,417
baseline
▲ 0.50% · 4.625%
HK$84,250
+HK$4,833/mo
Deposit HK$10.92M · loan HK$16.39M · min. income ≈ HK$158,834/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,160,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,138
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,367
−HK$2,262/mo
Today · 4.125%
HK$87,629
baseline
▲ 0.50% · 4.625%
HK$92,248
+HK$4,619/mo
Deposit HK$10.92M · loan HK$16.39M · min. income ≈ HK$175,258/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,160,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,186
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,898
−HK$2,756/mo
Today · 4.125%
HK$92,654
baseline
▲ 0.50% · 4.625%
HK$98,291
+HK$5,637/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$185,308/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,994
−HK$5,240/mo
▼ 0.25% · 3.875%
HK$99,595
−HK$2,639/mo
Today · 4.125%
HK$102,234
baseline
▲ 0.50% · 4.625%
HK$107,623
+HK$5,389/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$204,468/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,097
−HK$7,029/mo
▼ 0.25% · 3.875%
HK$115,584
−HK$3,542/mo
Today · 4.125%
HK$119,126
baseline
▲ 0.50% · 4.625%
HK$126,375
+HK$7,249/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$238,252/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,706
−HK$6,738/mo
▼ 0.25% · 3.875%
HK$128,051
−HK$3,393/mo
Today · 4.125%
HK$131,444
baseline
▲ 0.50% · 4.625%
HK$138,373
+HK$6,929/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$262,888/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,716 · Scale 2, in force from 26 Feb 2026)