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$62,151
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,085
−HK$1,964/mo
Today · 4.125%
HK$66,049
baseline
▲ 0.50% · 4.625%
HK$70,068
+HK$4,019/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,098/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,143
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,997
−HK$1,881/mo
Today · 4.125%
HK$72,878
baseline
▲ 0.50% · 4.625%
HK$76,720
+HK$3,842/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,756/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,582
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,902
−HK$2,357/mo
Today · 4.125%
HK$79,259
baseline
▲ 0.50% · 4.625%
HK$84,081
+HK$4,822/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,518/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,971
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,197
−HK$2,257/mo
Today · 4.125%
HK$87,454
baseline
▲ 0.50% · 4.625%
HK$92,064
+HK$4,610/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,908/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,012
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$89,719
−HK$2,749/mo
Today · 4.125%
HK$92,468
baseline
▲ 0.50% · 4.625%
HK$98,095
+HK$5,627/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$184,936/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,800
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,396
−HK$2,634/mo
Today · 4.125%
HK$102,030
baseline
▲ 0.50% · 4.625%
HK$107,408
+HK$5,378/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$204,060/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,872
−HK$7,016/mo
▼ 0.25% · 3.875%
HK$115,352
−HK$3,536/mo
Today · 4.125%
HK$118,888
baseline
▲ 0.50% · 4.625%
HK$126,122
+HK$7,234/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$237,776/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,457
−HK$6,724/mo
▼ 0.25% · 3.875%
HK$127,795
−HK$3,386/mo
Today · 4.125%
HK$131,181
baseline
▲ 0.50% · 4.625%
HK$138,096
+HK$6,915/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$262,362/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,394 · Scale 2, in force from 26 Feb 2026)