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$62,356
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,296
−HK$1,971/mo
Today · 4.125%
HK$66,267
baseline
▲ 0.50% · 4.625%
HK$70,299
+HK$4,032/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,534/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,371
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,231
−HK$1,888/mo
Today · 4.125%
HK$73,119
baseline
▲ 0.50% · 4.625%
HK$76,973
+HK$3,854/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,238/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,828
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,155
−HK$2,365/mo
Today · 4.125%
HK$79,520
baseline
▲ 0.50% · 4.625%
HK$84,359
+HK$4,839/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,040/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,245
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,478
−HK$2,265/mo
Today · 4.125%
HK$87,743
baseline
▲ 0.50% · 4.625%
HK$92,368
+HK$4,625/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,486/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,299
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$90,015
−HK$2,758/mo
Today · 4.125%
HK$92,773
baseline
▲ 0.50% · 4.625%
HK$98,419
+HK$5,646/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$185,546/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,119
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,724
−HK$2,642/mo
Today · 4.125%
HK$102,366
baseline
▲ 0.50% · 4.625%
HK$107,762
+HK$5,396/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$204,732/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,242
−HK$7,038/mo
▼ 0.25% · 3.875%
HK$115,733
−HK$3,547/mo
Today · 4.125%
HK$119,280
baseline
▲ 0.50% · 4.625%
HK$126,538
+HK$7,258/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$238,560/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,868
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$128,217
−HK$3,397/mo
Today · 4.125%
HK$131,614
baseline
▲ 0.50% · 4.625%
HK$138,551
+HK$6,937/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$263,228/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,216 · Scale 2, in force from 26 Feb 2026)