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$62,335
−HK$3,909/mo
▼ 0.25% · 3.875%
HK$64,274
−HK$1,970/mo
Today · 4.125%
HK$66,244
baseline
▲ 0.50% · 4.625%
HK$70,275
+HK$4,031/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,488/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,347
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,207
−HK$1,887/mo
Today · 4.125%
HK$73,094
baseline
▲ 0.50% · 4.625%
HK$76,947
+HK$3,853/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,188/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,802
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,129
−HK$2,364/mo
Today · 4.125%
HK$79,493
baseline
▲ 0.50% · 4.625%
HK$84,330
+HK$4,837/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$158,986/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,217
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,448
−HK$2,265/mo
Today · 4.125%
HK$87,713
baseline
▲ 0.50% · 4.625%
HK$92,336
+HK$4,623/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$175,426/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,269
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$89,984
−HK$2,758/mo
Today · 4.125%
HK$92,742
baseline
▲ 0.50% · 4.625%
HK$98,385
+HK$5,643/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$185,484/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,086
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$99,690
−HK$2,641/mo
Today · 4.125%
HK$102,331
baseline
▲ 0.50% · 4.625%
HK$107,725
+HK$5,394/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$204,662/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,203
−HK$7,036/mo
▼ 0.25% · 3.875%
HK$115,693
−HK$3,546/mo
Today · 4.125%
HK$119,239
baseline
▲ 0.50% · 4.625%
HK$126,495
+HK$7,256/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$238,478/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,825
−HK$6,744/mo
▼ 0.25% · 3.875%
HK$128,173
−HK$3,396/mo
Today · 4.125%
HK$131,569
baseline
▲ 0.50% · 4.625%
HK$138,504
+HK$6,935/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$263,138/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,818 · Scale 2, in force from 26 Feb 2026)