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$62,299
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,237
−HK$1,969/mo
Today · 4.125%
HK$66,206
baseline
▲ 0.50% · 4.625%
HK$70,234
+HK$4,028/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$132,412/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,161,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,307
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,166
−HK$1,886/mo
Today · 4.125%
HK$73,052
baseline
▲ 0.50% · 4.625%
HK$76,902
+HK$3,850/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$146,104/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,161,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,759
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,085
−HK$2,362/mo
Today · 4.125%
HK$79,447
baseline
▲ 0.50% · 4.625%
HK$84,281
+HK$4,834/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$158,894/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,169
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,399
−HK$2,263/mo
Today · 4.125%
HK$87,662
baseline
▲ 0.50% · 4.625%
HK$92,283
+HK$4,621/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$175,324/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,219
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$89,932
−HK$2,756/mo
Today · 4.125%
HK$92,688
baseline
▲ 0.50% · 4.625%
HK$98,328
+HK$5,640/mo
Deposit HK$8.20M · loan HK$19.12M · min. income ≈ HK$185,376/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,030
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,633
−HK$2,640/mo
Today · 4.125%
HK$102,273
baseline
▲ 0.50% · 4.625%
HK$107,663
+HK$5,390/mo
Deposit HK$8.20M · loan HK$19.12M · min. income ≈ HK$204,546/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,139
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$115,627
−HK$3,544/mo
Today · 4.125%
HK$119,171
baseline
▲ 0.50% · 4.625%
HK$126,422
+HK$7,251/mo
Deposit HK$2.73M · loan HK$24.59M · min. income ≈ HK$238,342/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,753
−HK$6,740/mo
▼ 0.25% · 3.875%
HK$128,099
−HK$3,394/mo
Today · 4.125%
HK$131,493
baseline
▲ 0.50% · 4.625%
HK$138,424
+HK$6,931/mo
Deposit HK$2.73M · loan HK$24.59M · min. income ≈ HK$262,986/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,151 · Scale 2, in force from 26 Feb 2026)