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$62,532
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,477
−HK$1,976/mo
Today · 4.125%
HK$66,453
baseline
▲ 0.50% · 4.625%
HK$70,497
+HK$4,044/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,906/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,566
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,432
−HK$1,893/mo
Today · 4.125%
HK$73,325
baseline
▲ 0.50% · 4.625%
HK$77,190
+HK$3,865/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,650/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,038
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,372
−HK$2,372/mo
Today · 4.125%
HK$79,744
baseline
▲ 0.50% · 4.625%
HK$84,596
+HK$4,852/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$159,488/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,479
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,718
−HK$2,271/mo
Today · 4.125%
HK$87,989
baseline
▲ 0.50% · 4.625%
HK$92,627
+HK$4,638/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$175,978/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,545
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,268
−HK$2,766/mo
Today · 4.125%
HK$93,034
baseline
▲ 0.50% · 4.625%
HK$98,695
+HK$5,661/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,068/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,393
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$100,005
−HK$2,649/mo
Today · 4.125%
HK$102,654
baseline
▲ 0.50% · 4.625%
HK$108,065
+HK$5,411/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,308/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,557
−HK$7,059/mo
▼ 0.25% · 3.875%
HK$116,059
−HK$3,557/mo
Today · 4.125%
HK$119,616
baseline
▲ 0.50% · 4.625%
HK$126,894
+HK$7,278/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,232/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,219
−HK$6,765/mo
▼ 0.25% · 3.875%
HK$128,577
−HK$3,407/mo
Today · 4.125%
HK$131,984
baseline
▲ 0.50% · 4.625%
HK$138,941
+HK$6,957/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$263,968/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,486 · Scale 2, in force from 26 Feb 2026)