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$62,587
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,533
−HK$1,978/mo
Today · 4.125%
HK$66,511
baseline
▲ 0.50% · 4.625%
HK$70,558
+HK$4,047/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$133,022/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,627
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,494
−HK$1,895/mo
Today · 4.125%
HK$73,389
baseline
▲ 0.50% · 4.625%
HK$77,257
+HK$3,868/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,778/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,104
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,440
−HK$2,374/mo
Today · 4.125%
HK$79,814
baseline
▲ 0.50% · 4.625%
HK$84,670
+HK$4,856/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,628/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,552
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,793
−HK$2,274/mo
Today · 4.125%
HK$88,067
baseline
▲ 0.50% · 4.625%
HK$92,709
+HK$4,642/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,134/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,621
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,347
−HK$2,769/mo
Today · 4.125%
HK$93,116
baseline
▲ 0.50% · 4.625%
HK$98,782
+HK$5,666/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$186,232/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,478
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,092
−HK$2,652/mo
Today · 4.125%
HK$102,744
baseline
▲ 0.50% · 4.625%
HK$108,160
+HK$5,416/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$205,488/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,656
−HK$7,064/mo
▼ 0.25% · 3.875%
HK$116,160
−HK$3,560/mo
Today · 4.125%
HK$119,720
baseline
▲ 0.50% · 4.625%
HK$127,005
+HK$7,285/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$239,440/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,329
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$128,690
−HK$3,410/mo
Today · 4.125%
HK$132,100
baseline
▲ 0.50% · 4.625%
HK$139,063
+HK$6,963/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$264,200/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,506 · Scale 2, in force from 26 Feb 2026)