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$62,179
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,113
−HK$1,965/mo
Today · 4.125%
HK$66,078
baseline
▲ 0.50% · 4.625%
HK$70,099
+HK$4,021/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,156/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,173
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,028
−HK$1,882/mo
Today · 4.125%
HK$72,910
baseline
▲ 0.50% · 4.625%
HK$76,754
+HK$3,844/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,820/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,615
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,935
−HK$2,359/mo
Today · 4.125%
HK$79,294
baseline
▲ 0.50% · 4.625%
HK$84,118
+HK$4,824/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$158,588/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,158,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,008
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,234
−HK$2,259/mo
Today · 4.125%
HK$87,493
baseline
▲ 0.50% · 4.625%
HK$92,104
+HK$4,611/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$174,986/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,158,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,050
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,758
−HK$2,751/mo
Today · 4.125%
HK$92,509
baseline
▲ 0.50% · 4.625%
HK$98,138
+HK$5,629/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,018/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,843
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,440
−HK$2,635/mo
Today · 4.125%
HK$102,075
baseline
▲ 0.50% · 4.625%
HK$107,455
+HK$5,380/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,150/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,922
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$115,403
−HK$3,537/mo
Today · 4.125%
HK$118,940
baseline
▲ 0.50% · 4.625%
HK$126,177
+HK$7,237/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$237,880/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,512
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$127,851
−HK$3,388/mo
Today · 4.125%
HK$131,239
baseline
▲ 0.50% · 4.625%
HK$138,157
+HK$6,918/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$262,478/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,904 · Scale 2, in force from 26 Feb 2026)