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$62,542
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,488
−HK$1,976/mo
Today · 4.125%
HK$66,464
baseline
▲ 0.50% · 4.625%
HK$70,508
+HK$4,044/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,928/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,578
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,444
−HK$1,893/mo
Today · 4.125%
HK$73,337
baseline
▲ 0.50% · 4.625%
HK$77,202
+HK$3,865/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,674/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,051
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,385
−HK$2,372/mo
Today · 4.125%
HK$79,757
baseline
▲ 0.50% · 4.625%
HK$84,610
+HK$4,853/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,514/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,493
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,732
−HK$2,272/mo
Today · 4.125%
HK$88,004
baseline
▲ 0.50% · 4.625%
HK$92,643
+HK$4,639/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$176,008/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,559
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,283
−HK$2,767/mo
Today · 4.125%
HK$93,050
baseline
▲ 0.50% · 4.625%
HK$98,712
+HK$5,662/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,100/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,409
−HK$5,262/mo
▼ 0.25% · 3.875%
HK$100,021
−HK$2,650/mo
Today · 4.125%
HK$102,671
baseline
▲ 0.50% · 4.625%
HK$108,083
+HK$5,412/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,342/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,576
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$116,078
−HK$3,558/mo
Today · 4.125%
HK$119,636
baseline
▲ 0.50% · 4.625%
HK$126,915
+HK$7,279/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,272/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,240
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$128,599
−HK$3,407/mo
Today · 4.125%
HK$132,006
baseline
▲ 0.50% · 4.625%
HK$138,964
+HK$6,958/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$264,012/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,680 · Scale 2, in force from 26 Feb 2026)