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$62,462
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,405
−HK$1,974/mo
Today · 4.125%
HK$66,379
baseline
▲ 0.50% · 4.625%
HK$70,418
+HK$4,039/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,758/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,488
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,352
−HK$1,890/mo
Today · 4.125%
HK$73,242
baseline
▲ 0.50% · 4.625%
HK$77,103
+HK$3,861/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,484/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,954
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,286
−HK$2,369/mo
Today · 4.125%
HK$79,655
baseline
▲ 0.50% · 4.625%
HK$84,501
+HK$4,846/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,310/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,386
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,622
−HK$2,269/mo
Today · 4.125%
HK$87,891
baseline
▲ 0.50% · 4.625%
HK$92,524
+HK$4,633/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,782/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,447
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,167
−HK$2,763/mo
Today · 4.125%
HK$92,930
baseline
▲ 0.50% · 4.625%
HK$98,585
+HK$5,655/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$185,860/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,284
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$99,893
−HK$2,646/mo
Today · 4.125%
HK$102,539
baseline
▲ 0.50% · 4.625%
HK$107,944
+HK$5,405/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$205,078/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,431
−HK$7,051/mo
▼ 0.25% · 3.875%
HK$115,929
−HK$3,553/mo
Today · 4.125%
HK$119,482
baseline
▲ 0.50% · 4.625%
HK$126,752
+HK$7,270/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$238,964/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,079
−HK$6,757/mo
▼ 0.25% · 3.875%
HK$128,433
−HK$3,403/mo
Today · 4.125%
HK$131,836
baseline
▲ 0.50% · 4.625%
HK$138,786
+HK$6,950/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$263,672/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,182 · Scale 2, in force from 26 Feb 2026)