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$62,303
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,241
−HK$1,969/mo
Today · 4.125%
HK$66,210
baseline
▲ 0.50% · 4.625%
HK$70,239
+HK$4,029/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$132,420/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,161,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,312
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,171
−HK$1,886/mo
Today · 4.125%
HK$73,057
baseline
▲ 0.50% · 4.625%
HK$76,907
+HK$3,850/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$146,114/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,161,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,764
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,090
−HK$2,362/mo
Today · 4.125%
HK$79,452
baseline
▲ 0.50% · 4.625%
HK$84,287
+HK$4,835/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$158,904/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,174
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,405
−HK$2,263/mo
Today · 4.125%
HK$87,668
baseline
▲ 0.50% · 4.625%
HK$92,289
+HK$4,621/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$175,336/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,225
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$89,938
−HK$2,756/mo
Today · 4.125%
HK$92,694
baseline
▲ 0.50% · 4.625%
HK$98,335
+HK$5,641/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$185,388/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,037
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$99,639
−HK$2,640/mo
Today · 4.125%
HK$102,279
baseline
▲ 0.50% · 4.625%
HK$107,670
+HK$5,391/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$204,558/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,146
−HK$7,033/mo
▼ 0.25% · 3.875%
HK$115,634
−HK$3,545/mo
Today · 4.125%
HK$119,179
baseline
▲ 0.50% · 4.625%
HK$126,430
+HK$7,251/mo
Deposit HK$2.73M · loan HK$24.59M · min. income ≈ HK$238,358/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,761
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$128,107
−HK$3,395/mo
Today · 4.125%
HK$131,502
baseline
▲ 0.50% · 4.625%
HK$138,433
+HK$6,931/mo
Deposit HK$2.73M · loan HK$24.59M · min. income ≈ HK$263,004/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,227 · Scale 2, in force from 26 Feb 2026)