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$62,539
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,484
−HK$1,976/mo
Today · 4.125%
HK$66,460
baseline
▲ 0.50% · 4.625%
HK$70,504
+HK$4,044/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,920/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,574
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,440
−HK$1,893/mo
Today · 4.125%
HK$73,333
baseline
▲ 0.50% · 4.625%
HK$77,198
+HK$3,865/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,666/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,046
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,381
−HK$2,372/mo
Today · 4.125%
HK$79,753
baseline
▲ 0.50% · 4.625%
HK$84,605
+HK$4,852/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,506/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,488
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,728
−HK$2,271/mo
Today · 4.125%
HK$87,999
baseline
▲ 0.50% · 4.625%
HK$92,638
+HK$4,639/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$175,998/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,554
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,278
−HK$2,767/mo
Today · 4.125%
HK$93,045
baseline
▲ 0.50% · 4.625%
HK$98,706
+HK$5,661/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,090/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,403
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,015
−HK$2,651/mo
Today · 4.125%
HK$102,666
baseline
▲ 0.50% · 4.625%
HK$108,077
+HK$5,411/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,332/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,570
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$116,071
−HK$3,558/mo
Today · 4.125%
HK$119,629
baseline
▲ 0.50% · 4.625%
HK$126,908
+HK$7,279/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,258/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,233
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$128,591
−HK$3,408/mo
Today · 4.125%
HK$131,999
baseline
▲ 0.50% · 4.625%
HK$138,956
+HK$6,957/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$263,998/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,613 · Scale 2, in force from 26 Feb 2026)