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$62,116
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,048
−HK$1,963/mo
Today · 4.125%
HK$66,011
baseline
▲ 0.50% · 4.625%
HK$70,027
+HK$4,016/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,022/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,103
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,956
−HK$1,880/mo
Today · 4.125%
HK$72,836
baseline
▲ 0.50% · 4.625%
HK$76,676
+HK$3,840/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,672/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,539
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,857
−HK$2,356/mo
Today · 4.125%
HK$79,213
baseline
▲ 0.50% · 4.625%
HK$84,033
+HK$4,820/mo
Deposit HK$10.90M · loan HK$16.34M · min. income ≈ HK$158,426/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,924
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,147
−HK$2,257/mo
Today · 4.125%
HK$87,404
baseline
▲ 0.50% · 4.625%
HK$92,011
+HK$4,607/mo
Deposit HK$10.90M · loan HK$16.34M · min. income ≈ HK$174,808/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,962
−HK$5,453/mo
▼ 0.25% · 3.875%
HK$89,667
−HK$2,748/mo
Today · 4.125%
HK$92,415
baseline
▲ 0.50% · 4.625%
HK$98,038
+HK$5,623/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,830/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,744
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,339
−HK$2,632/mo
Today · 4.125%
HK$101,971
baseline
▲ 0.50% · 4.625%
HK$107,346
+HK$5,375/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,942/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,808
−HK$7,011/mo
▼ 0.25% · 3.875%
HK$115,286
−HK$3,533/mo
Today · 4.125%
HK$118,819
baseline
▲ 0.50% · 4.625%
HK$126,049
+HK$7,230/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$237,638/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,385
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$127,721
−HK$3,384/mo
Today · 4.125%
HK$131,105
baseline
▲ 0.50% · 4.625%
HK$138,016
+HK$6,911/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$262,210/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,726 · Scale 2, in force from 26 Feb 2026)