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$62,190
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,124
−HK$1,966/mo
Today · 4.125%
HK$66,090
baseline
▲ 0.50% · 4.625%
HK$70,111
+HK$4,021/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,180/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,185
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,041
−HK$1,882/mo
Today · 4.125%
HK$72,923
baseline
▲ 0.50% · 4.625%
HK$76,767
+HK$3,844/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,846/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,628
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,949
−HK$2,358/mo
Today · 4.125%
HK$79,307
baseline
▲ 0.50% · 4.625%
HK$84,133
+HK$4,826/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$158,614/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,023
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,249
−HK$2,259/mo
Today · 4.125%
HK$87,508
baseline
▲ 0.50% · 4.625%
HK$92,121
+HK$4,613/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$175,016/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,066
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,774
−HK$2,751/mo
Today · 4.125%
HK$92,525
baseline
▲ 0.50% · 4.625%
HK$98,155
+HK$5,630/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,050/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,860
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,457
−HK$2,636/mo
Today · 4.125%
HK$102,093
baseline
▲ 0.50% · 4.625%
HK$107,474
+HK$5,381/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,186/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,941
−HK$7,020/mo
▼ 0.25% · 3.875%
HK$115,424
−HK$3,537/mo
Today · 4.125%
HK$118,961
baseline
▲ 0.50% · 4.625%
HK$126,200
+HK$7,239/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$237,922/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,534
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$127,874
−HK$3,388/mo
Today · 4.125%
HK$131,262
baseline
▲ 0.50% · 4.625%
HK$138,181
+HK$6,919/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$262,524/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,108 · Scale 2, in force from 26 Feb 2026)