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$62,311
−HK$3,907/mo
▼ 0.25% · 3.875%
HK$64,249
−HK$1,969/mo
Today · 4.125%
HK$66,218
baseline
▲ 0.50% · 4.625%
HK$70,247
+HK$4,029/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$132,436/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,161,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,320
−HK$3,745/mo
▼ 0.25% · 3.875%
HK$71,179
−HK$1,886/mo
Today · 4.125%
HK$73,065
baseline
▲ 0.50% · 4.625%
HK$76,917
+HK$3,852/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$146,130/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,161,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,773
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,099
−HK$2,363/mo
Today · 4.125%
HK$79,462
baseline
▲ 0.50% · 4.625%
HK$84,297
+HK$4,835/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$158,924/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,184
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,415
−HK$2,263/mo
Today · 4.125%
HK$87,678
baseline
▲ 0.50% · 4.625%
HK$92,300
+HK$4,622/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$175,356/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,161,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,235
−HK$5,470/mo
▼ 0.25% · 3.875%
HK$89,949
−HK$2,756/mo
Today · 4.125%
HK$92,705
baseline
▲ 0.50% · 4.625%
HK$98,346
+HK$5,641/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$185,410/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,048
−HK$5,243/mo
▼ 0.25% · 3.875%
HK$99,651
−HK$2,640/mo
Today · 4.125%
HK$102,291
baseline
▲ 0.50% · 4.625%
HK$107,683
+HK$5,392/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$204,582/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,159
−HK$7,034/mo
▼ 0.25% · 3.875%
HK$115,648
−HK$3,545/mo
Today · 4.125%
HK$119,193
baseline
▲ 0.50% · 4.625%
HK$126,445
+HK$7,252/mo
Deposit HK$2.73M · loan HK$24.59M · min. income ≈ HK$238,386/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,776
−HK$6,741/mo
▼ 0.25% · 3.875%
HK$128,123
−HK$3,394/mo
Today · 4.125%
HK$131,517
baseline
▲ 0.50% · 4.625%
HK$138,450
+HK$6,933/mo
Deposit HK$2.73M · loan HK$24.59M · min. income ≈ HK$263,034/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,161,364 · Scale 2, in force from 26 Feb 2026)