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$62,488
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,432
−HK$1,975/mo
Today · 4.125%
HK$66,407
baseline
▲ 0.50% · 4.625%
HK$70,447
+HK$4,040/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,814/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,517
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,382
−HK$1,891/mo
Today · 4.125%
HK$73,273
baseline
▲ 0.50% · 4.625%
HK$77,135
+HK$3,862/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,546/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,986
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,318
−HK$2,370/mo
Today · 4.125%
HK$79,688
baseline
▲ 0.50% · 4.625%
HK$84,537
+HK$4,849/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,376/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,421
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,658
−HK$2,270/mo
Today · 4.125%
HK$87,928
baseline
▲ 0.50% · 4.625%
HK$92,562
+HK$4,634/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,856/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,483
−HK$5,486/mo
▼ 0.25% · 3.875%
HK$90,204
−HK$2,765/mo
Today · 4.125%
HK$92,969
baseline
▲ 0.50% · 4.625%
HK$98,626
+HK$5,657/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$185,938/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,324
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$99,934
−HK$2,648/mo
Today · 4.125%
HK$102,582
baseline
▲ 0.50% · 4.625%
HK$107,989
+HK$5,407/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$205,164/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,478
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$115,977
−HK$3,555/mo
Today · 4.125%
HK$119,532
baseline
▲ 0.50% · 4.625%
HK$126,805
+HK$7,273/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$239,064/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,131
−HK$6,760/mo
▼ 0.25% · 3.875%
HK$128,487
−HK$3,404/mo
Today · 4.125%
HK$131,891
baseline
▲ 0.50% · 4.625%
HK$138,844
+HK$6,953/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$263,782/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,667 · Scale 2, in force from 26 Feb 2026)