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$62,291
−HK$3,906/mo
▼ 0.25% · 3.875%
HK$64,228
−HK$1,969/mo
Today · 4.125%
HK$66,197
baseline
▲ 0.50% · 4.625%
HK$70,225
+HK$4,028/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$132,394/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,298
−HK$3,744/mo
▼ 0.25% · 3.875%
HK$71,156
−HK$1,886/mo
Today · 4.125%
HK$73,042
baseline
▲ 0.50% · 4.625%
HK$76,892
+HK$3,850/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$146,084/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,749
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,074
−HK$2,362/mo
Today · 4.125%
HK$79,436
baseline
▲ 0.50% · 4.625%
HK$84,270
+HK$4,834/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$158,872/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,160,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,157
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,388
−HK$2,262/mo
Today · 4.125%
HK$87,650
baseline
▲ 0.50% · 4.625%
HK$92,270
+HK$4,620/mo
Deposit HK$10.93M · loan HK$16.39M · min. income ≈ HK$175,300/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,160,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,207
−HK$5,469/mo
▼ 0.25% · 3.875%
HK$89,920
−HK$2,756/mo
Today · 4.125%
HK$92,676
baseline
▲ 0.50% · 4.625%
HK$98,315
+HK$5,639/mo
Deposit HK$8.20M · loan HK$19.12M · min. income ≈ HK$185,352/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,160,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,017
−HK$5,242/mo
▼ 0.25% · 3.875%
HK$99,619
−HK$2,640/mo
Today · 4.125%
HK$102,259
baseline
▲ 0.50% · 4.625%
HK$107,649
+HK$5,390/mo
Deposit HK$8.20M · loan HK$19.12M · min. income ≈ HK$204,518/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,160,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,123
−HK$7,032/mo
▼ 0.25% · 3.875%
HK$115,611
−HK$3,544/mo
Today · 4.125%
HK$119,155
baseline
▲ 0.50% · 4.625%
HK$126,405
+HK$7,250/mo
Deposit HK$2.73M · loan HK$24.59M · min. income ≈ HK$238,310/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,736
−HK$6,739/mo
▼ 0.25% · 3.875%
HK$128,082
−HK$3,393/mo
Today · 4.125%
HK$131,475
baseline
▲ 0.50% · 4.625%
HK$138,406
+HK$6,931/mo
Deposit HK$2.73M · loan HK$24.59M · min. income ≈ HK$262,950/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,992 · Scale 2, in force from 26 Feb 2026)