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$62,395
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,336
−HK$1,972/mo
Today · 4.125%
HK$66,308
baseline
▲ 0.50% · 4.625%
HK$70,343
+HK$4,035/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,616/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,414
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,276
−HK$1,888/mo
Today · 4.125%
HK$73,164
baseline
▲ 0.50% · 4.625%
HK$77,021
+HK$3,857/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,328/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,874
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,203
−HK$2,366/mo
Today · 4.125%
HK$79,569
baseline
▲ 0.50% · 4.625%
HK$84,411
+HK$4,842/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$159,138/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,297
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,531
−HK$2,266/mo
Today · 4.125%
HK$87,797
baseline
▲ 0.50% · 4.625%
HK$92,425
+HK$4,628/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$175,594/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,353
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,070
−HK$2,761/mo
Today · 4.125%
HK$92,831
baseline
▲ 0.50% · 4.625%
HK$98,480
+HK$5,649/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,662/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,180
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,786
−HK$2,644/mo
Today · 4.125%
HK$102,430
baseline
▲ 0.50% · 4.625%
HK$107,829
+HK$5,399/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,860/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,311
−HK$7,043/mo
▼ 0.25% · 3.875%
HK$115,805
−HK$3,549/mo
Today · 4.125%
HK$119,354
baseline
▲ 0.50% · 4.625%
HK$126,617
+HK$7,263/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$238,708/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,945
−HK$6,751/mo
▼ 0.25% · 3.875%
HK$128,296
−HK$3,400/mo
Today · 4.125%
HK$131,696
baseline
▲ 0.50% · 4.625%
HK$138,637
+HK$6,941/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$263,392/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,938 · Scale 2, in force from 26 Feb 2026)