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$62,242
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,178
−HK$1,967/mo
Today · 4.125%
HK$66,145
baseline
▲ 0.50% · 4.625%
HK$70,170
+HK$4,025/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,290/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,243
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,101
−HK$1,883/mo
Today · 4.125%
HK$72,984
baseline
▲ 0.50% · 4.625%
HK$76,832
+HK$3,848/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$145,968/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,690
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,014
−HK$2,360/mo
Today · 4.125%
HK$79,374
baseline
▲ 0.50% · 4.625%
HK$84,204
+HK$4,830/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,748/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,092
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,321
−HK$2,260/mo
Today · 4.125%
HK$87,581
baseline
▲ 0.50% · 4.625%
HK$92,198
+HK$4,617/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,162/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,139
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,849
−HK$2,754/mo
Today · 4.125%
HK$92,603
baseline
▲ 0.50% · 4.625%
HK$98,238
+HK$5,635/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,206/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,941
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,541
−HK$2,637/mo
Today · 4.125%
HK$102,178
baseline
▲ 0.50% · 4.625%
HK$107,564
+HK$5,386/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,356/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,035
−HK$7,026/mo
▼ 0.25% · 3.875%
HK$115,520
−HK$3,541/mo
Today · 4.125%
HK$119,061
baseline
▲ 0.50% · 4.625%
HK$126,306
+HK$7,245/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$238,122/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,638
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$127,981
−HK$3,391/mo
Today · 4.125%
HK$131,372
baseline
▲ 0.50% · 4.625%
HK$138,297
+HK$6,925/mo
Deposit HK$2.73M · loan HK$24.57M · min. income ≈ HK$262,744/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,081 · Scale 2, in force from 26 Feb 2026)