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$62,518
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,463
−HK$1,976/mo
Today · 4.125%
HK$66,439
baseline
▲ 0.50% · 4.625%
HK$70,482
+HK$4,043/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,878/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,551
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,416
−HK$1,893/mo
Today · 4.125%
HK$73,309
baseline
▲ 0.50% · 4.625%
HK$77,173
+HK$3,864/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,618/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,022
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,356
−HK$2,371/mo
Today · 4.125%
HK$79,727
baseline
▲ 0.50% · 4.625%
HK$84,578
+HK$4,851/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$159,454/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,461
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,700
−HK$2,271/mo
Today · 4.125%
HK$87,971
baseline
▲ 0.50% · 4.625%
HK$92,608
+HK$4,637/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$175,942/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,526
−HK$5,488/mo
▼ 0.25% · 3.875%
HK$90,248
−HK$2,766/mo
Today · 4.125%
HK$93,014
baseline
▲ 0.50% · 4.625%
HK$98,674
+HK$5,660/mo
Deposit HK$8.23M · loan HK$19.19M · min. income ≈ HK$186,028/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,372
−HK$5,260/mo
▼ 0.25% · 3.875%
HK$99,983
−HK$2,649/mo
Today · 4.125%
HK$102,632
baseline
▲ 0.50% · 4.625%
HK$108,042
+HK$5,410/mo
Deposit HK$8.23M · loan HK$19.19M · min. income ≈ HK$205,264/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,533
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$116,034
−HK$3,556/mo
Today · 4.125%
HK$119,590
baseline
▲ 0.50% · 4.625%
HK$126,867
+HK$7,277/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,180/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,192
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$128,550
−HK$3,406/mo
Today · 4.125%
HK$131,956
baseline
▲ 0.50% · 4.625%
HK$138,911
+HK$6,955/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$263,912/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,235 · Scale 2, in force from 26 Feb 2026)