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$62,476
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,419
−HK$1,975/mo
Today · 4.125%
HK$66,394
baseline
▲ 0.50% · 4.625%
HK$70,434
+HK$4,040/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,788/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,504
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,368
−HK$1,891/mo
Today · 4.125%
HK$73,259
baseline
▲ 0.50% · 4.625%
HK$77,121
+HK$3,862/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,518/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,971
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,303
−HK$2,370/mo
Today · 4.125%
HK$79,673
baseline
▲ 0.50% · 4.625%
HK$84,521
+HK$4,848/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,346/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,405
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,642
−HK$2,269/mo
Today · 4.125%
HK$87,911
baseline
▲ 0.50% · 4.625%
HK$92,545
+HK$4,634/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,822/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,467
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$90,187
−HK$2,764/mo
Today · 4.125%
HK$92,951
baseline
▲ 0.50% · 4.625%
HK$98,607
+HK$5,656/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$185,902/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,306
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$99,915
−HK$2,648/mo
Today · 4.125%
HK$102,563
baseline
▲ 0.50% · 4.625%
HK$107,969
+HK$5,406/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$205,126/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,457
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$115,955
−HK$3,554/mo
Today · 4.125%
HK$119,509
baseline
▲ 0.50% · 4.625%
HK$126,781
+HK$7,272/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$239,018/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,107
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$128,463
−HK$3,403/mo
Today · 4.125%
HK$131,866
baseline
▲ 0.50% · 4.625%
HK$138,817
+HK$6,951/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$263,732/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,446 · Scale 2, in force from 26 Feb 2026)