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$62,163
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,096
−HK$1,965/mo
Today · 4.125%
HK$66,061
baseline
▲ 0.50% · 4.625%
HK$70,081
+HK$4,020/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,122/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,156
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,010
−HK$1,882/mo
Today · 4.125%
HK$72,892
baseline
▲ 0.50% · 4.625%
HK$76,734
+HK$3,842/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,784/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,595
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,916
−HK$2,357/mo
Today · 4.125%
HK$79,273
baseline
▲ 0.50% · 4.625%
HK$84,097
+HK$4,824/mo
Deposit HK$10.90M · loan HK$16.36M · min. income ≈ HK$158,546/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,987
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,212
−HK$2,258/mo
Today · 4.125%
HK$87,470
baseline
▲ 0.50% · 4.625%
HK$92,081
+HK$4,611/mo
Deposit HK$10.90M · loan HK$16.36M · min. income ≈ HK$174,940/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,028
−HK$5,457/mo
▼ 0.25% · 3.875%
HK$89,735
−HK$2,750/mo
Today · 4.125%
HK$92,485
baseline
▲ 0.50% · 4.625%
HK$98,113
+HK$5,628/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$184,970/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,818
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$99,414
−HK$2,635/mo
Today · 4.125%
HK$102,049
baseline
▲ 0.50% · 4.625%
HK$107,428
+HK$5,379/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$204,098/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,893
−HK$7,017/mo
▼ 0.25% · 3.875%
HK$115,374
−HK$3,536/mo
Today · 4.125%
HK$118,910
baseline
▲ 0.50% · 4.625%
HK$126,145
+HK$7,235/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$237,820/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,480
−HK$6,725/mo
▼ 0.25% · 3.875%
HK$127,819
−HK$3,386/mo
Today · 4.125%
HK$131,205
baseline
▲ 0.50% · 4.625%
HK$138,121
+HK$6,916/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$262,410/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,608 · Scale 2, in force from 26 Feb 2026)