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$62,077
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,008
−HK$1,962/mo
Today · 4.125%
HK$65,970
baseline
▲ 0.50% · 4.625%
HK$69,984
+HK$4,014/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,940/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,157,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,060
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,912
−HK$1,879/mo
Today · 4.125%
HK$72,791
baseline
▲ 0.50% · 4.625%
HK$76,628
+HK$3,837/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,582/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,157,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,492
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,810
−HK$2,354/mo
Today · 4.125%
HK$79,164
baseline
▲ 0.50% · 4.625%
HK$83,981
+HK$4,817/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$158,328/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,872
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,095
−HK$2,254/mo
Today · 4.125%
HK$87,349
baseline
▲ 0.50% · 4.625%
HK$91,954
+HK$4,605/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$174,698/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,908
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,611
−HK$2,747/mo
Today · 4.125%
HK$92,358
baseline
▲ 0.50% · 4.625%
HK$97,977
+HK$5,619/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$184,716/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,157,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,684
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$99,277
−HK$2,631/mo
Today · 4.125%
HK$101,908
baseline
▲ 0.50% · 4.625%
HK$107,279
+HK$5,371/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$203,816/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,157,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,739
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$115,214
−HK$3,532/mo
Today · 4.125%
HK$118,746
baseline
▲ 0.50% · 4.625%
HK$125,971
+HK$7,225/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$237,492/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,308
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$127,642
−HK$3,382/mo
Today · 4.125%
HK$131,024
baseline
▲ 0.50% · 4.625%
HK$137,931
+HK$6,907/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$262,048/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,008 · Scale 2, in force from 26 Feb 2026)