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$62,569
−HK$3,924/mo
▼ 0.25% · 3.875%
HK$64,515
−HK$1,978/mo
Today · 4.125%
HK$66,493
baseline
▲ 0.50% · 4.625%
HK$70,539
+HK$4,046/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$132,986/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,607
−HK$3,761/mo
▼ 0.25% · 3.875%
HK$71,474
−HK$1,894/mo
Today · 4.125%
HK$73,368
baseline
▲ 0.50% · 4.625%
HK$77,235
+HK$3,867/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,736/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,083
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,418
−HK$2,373/mo
Today · 4.125%
HK$79,791
baseline
▲ 0.50% · 4.625%
HK$84,646
+HK$4,855/mo
Deposit HK$10.98M · loan HK$16.46M · min. income ≈ HK$159,582/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,529
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,769
−HK$2,273/mo
Today · 4.125%
HK$88,042
baseline
▲ 0.50% · 4.625%
HK$92,682
+HK$4,640/mo
Deposit HK$10.98M · loan HK$16.46M · min. income ≈ HK$176,084/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,597
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$90,321
−HK$2,769/mo
Today · 4.125%
HK$93,090
baseline
▲ 0.50% · 4.625%
HK$98,754
+HK$5,664/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$186,180/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,450
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$100,064
−HK$2,651/mo
Today · 4.125%
HK$102,715
baseline
▲ 0.50% · 4.625%
HK$108,130
+HK$5,415/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$205,430/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,624
−HK$7,063/mo
▼ 0.25% · 3.875%
HK$116,127
−HK$3,560/mo
Today · 4.125%
HK$119,687
baseline
▲ 0.50% · 4.625%
HK$126,969
+HK$7,282/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$239,374/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,293
−HK$6,769/mo
▼ 0.25% · 3.875%
HK$128,654
−HK$3,408/mo
Today · 4.125%
HK$132,062
baseline
▲ 0.50% · 4.625%
HK$139,024
+HK$6,962/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$264,124/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,177 · Scale 2, in force from 26 Feb 2026)