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$62,378
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,318
−HK$1,971/mo
Today · 4.125%
HK$66,289
baseline
▲ 0.50% · 4.625%
HK$70,323
+HK$4,034/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,578/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,395
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,256
−HK$1,888/mo
Today · 4.125%
HK$73,144
baseline
▲ 0.50% · 4.625%
HK$76,999
+HK$3,855/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,288/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,853
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,182
−HK$2,365/mo
Today · 4.125%
HK$79,547
baseline
▲ 0.50% · 4.625%
HK$84,388
+HK$4,841/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,094/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,274
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,507
−HK$2,266/mo
Today · 4.125%
HK$87,773
baseline
▲ 0.50% · 4.625%
HK$92,399
+HK$4,626/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,546/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,329
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,045
−HK$2,760/mo
Today · 4.125%
HK$92,805
baseline
▲ 0.50% · 4.625%
HK$98,452
+HK$5,647/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,610/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,153
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,758
−HK$2,643/mo
Today · 4.125%
HK$102,401
baseline
▲ 0.50% · 4.625%
HK$107,799
+HK$5,398/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,802/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,280
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$115,773
−HK$3,548/mo
Today · 4.125%
HK$119,321
baseline
▲ 0.50% · 4.625%
HK$126,581
+HK$7,260/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,642/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,911
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$128,261
−HK$3,398/mo
Today · 4.125%
HK$131,659
baseline
▲ 0.50% · 4.625%
HK$138,599
+HK$6,940/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,318/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,615 · Scale 2, in force from 26 Feb 2026)