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$62,358
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,298
−HK$1,970/mo
Today · 4.125%
HK$66,268
baseline
▲ 0.50% · 4.625%
HK$70,301
+HK$4,033/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,536/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,373
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,233
−HK$1,888/mo
Today · 4.125%
HK$73,121
baseline
▲ 0.50% · 4.625%
HK$76,975
+HK$3,854/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,242/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,830
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,157
−HK$2,365/mo
Today · 4.125%
HK$79,522
baseline
▲ 0.50% · 4.625%
HK$84,361
+HK$4,839/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,044/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,247
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,480
−HK$2,265/mo
Today · 4.125%
HK$87,745
baseline
▲ 0.50% · 4.625%
HK$92,370
+HK$4,625/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,490/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,301
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$90,017
−HK$2,759/mo
Today · 4.125%
HK$92,776
baseline
▲ 0.50% · 4.625%
HK$98,421
+HK$5,645/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$185,552/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,122
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,727
−HK$2,642/mo
Today · 4.125%
HK$102,369
baseline
▲ 0.50% · 4.625%
HK$107,765
+HK$5,396/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$204,738/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,245
−HK$7,038/mo
▼ 0.25% · 3.875%
HK$115,736
−HK$3,547/mo
Today · 4.125%
HK$119,283
baseline
▲ 0.50% · 4.625%
HK$126,541
+HK$7,258/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$238,566/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,871
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$128,220
−HK$3,397/mo
Today · 4.125%
HK$131,617
baseline
▲ 0.50% · 4.625%
HK$138,555
+HK$6,938/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$263,234/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,246 · Scale 2, in force from 26 Feb 2026)