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$62,069
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$64,000
−HK$1,961/mo
Today · 4.125%
HK$65,961
baseline
▲ 0.50% · 4.625%
HK$69,975
+HK$4,014/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,922/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,051
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,903
−HK$1,879/mo
Today · 4.125%
HK$72,782
baseline
▲ 0.50% · 4.625%
HK$76,618
+HK$3,836/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,564/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,483
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,800
−HK$2,354/mo
Today · 4.125%
HK$79,154
baseline
▲ 0.50% · 4.625%
HK$83,970
+HK$4,816/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$158,308/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,862
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,084
−HK$2,254/mo
Today · 4.125%
HK$87,338
baseline
▲ 0.50% · 4.625%
HK$91,942
+HK$4,604/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$174,676/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,897
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,600
−HK$2,746/mo
Today · 4.125%
HK$92,346
baseline
▲ 0.50% · 4.625%
HK$97,965
+HK$5,619/mo
Deposit HK$8.17M · loan HK$19.05M · min. income ≈ HK$184,692/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,672
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$99,264
−HK$2,631/mo
Today · 4.125%
HK$101,895
baseline
▲ 0.50% · 4.625%
HK$107,266
+HK$5,371/mo
Deposit HK$8.17M · loan HK$19.05M · min. income ≈ HK$203,790/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,724
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$115,200
−HK$3,531/mo
Today · 4.125%
HK$118,731
baseline
▲ 0.50% · 4.625%
HK$125,955
+HK$7,224/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$237,462/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,292
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$127,626
−HK$3,381/mo
Today · 4.125%
HK$131,007
baseline
▲ 0.50% · 4.625%
HK$137,913
+HK$6,906/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$262,014/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,860 · Scale 2, in force from 26 Feb 2026)