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$62,197
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,131
−HK$1,966/mo
Today · 4.125%
HK$66,097
baseline
▲ 0.50% · 4.625%
HK$70,119
+HK$4,022/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,194/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,193
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,049
−HK$1,883/mo
Today · 4.125%
HK$72,932
baseline
▲ 0.50% · 4.625%
HK$76,776
+HK$3,844/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,864/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,636
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,958
−HK$2,358/mo
Today · 4.125%
HK$79,316
baseline
▲ 0.50% · 4.625%
HK$84,143
+HK$4,827/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$158,632/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,032
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$85,259
−HK$2,259/mo
Today · 4.125%
HK$87,518
baseline
▲ 0.50% · 4.625%
HK$92,131
+HK$4,613/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$175,036/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,075
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,784
−HK$2,752/mo
Today · 4.125%
HK$92,536
baseline
▲ 0.50% · 4.625%
HK$98,166
+HK$5,630/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,072/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,871
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,469
−HK$2,635/mo
Today · 4.125%
HK$102,104
baseline
▲ 0.50% · 4.625%
HK$107,486
+HK$5,382/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,208/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,954
−HK$7,021/mo
▼ 0.25% · 3.875%
HK$115,437
−HK$3,538/mo
Today · 4.125%
HK$118,975
baseline
▲ 0.50% · 4.625%
HK$126,214
+HK$7,239/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$237,950/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,548
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$127,888
−HK$3,389/mo
Today · 4.125%
HK$131,277
baseline
▲ 0.50% · 4.625%
HK$138,197
+HK$6,920/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$262,554/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,239 · Scale 2, in force from 26 Feb 2026)