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$62,374
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,314
−HK$1,972/mo
Today · 4.125%
HK$66,286
baseline
▲ 0.50% · 4.625%
HK$70,319
+HK$4,033/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,572/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,391
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,252
−HK$1,888/mo
Today · 4.125%
HK$73,140
baseline
▲ 0.50% · 4.625%
HK$76,995
+HK$3,855/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,280/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,849
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,177
−HK$2,366/mo
Today · 4.125%
HK$79,543
baseline
▲ 0.50% · 4.625%
HK$84,383
+HK$4,840/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,086/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,269
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,502
−HK$2,265/mo
Today · 4.125%
HK$87,767
baseline
▲ 0.50% · 4.625%
HK$92,394
+HK$4,627/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,534/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,324
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,040
−HK$2,760/mo
Today · 4.125%
HK$92,800
baseline
▲ 0.50% · 4.625%
HK$98,446
+HK$5,646/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,600/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,147
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,752
−HK$2,643/mo
Today · 4.125%
HK$102,395
baseline
▲ 0.50% · 4.625%
HK$107,793
+HK$5,398/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,790/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,273
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$115,766
−HK$3,548/mo
Today · 4.125%
HK$119,314
baseline
▲ 0.50% · 4.625%
HK$126,574
+HK$7,260/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,628/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,903
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$128,253
−HK$3,398/mo
Today · 4.125%
HK$131,651
baseline
▲ 0.50% · 4.625%
HK$138,591
+HK$6,940/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,302/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,545 · Scale 2, in force from 26 Feb 2026)