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$62,153
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,086
−HK$1,964/mo
Today · 4.125%
HK$66,050
baseline
▲ 0.50% · 4.625%
HK$70,069
+HK$4,019/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,100/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,144
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$70,999
−HK$1,881/mo
Today · 4.125%
HK$72,880
baseline
▲ 0.50% · 4.625%
HK$76,721
+HK$3,841/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,760/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,583
−HK$4,677/mo
▼ 0.25% · 3.875%
HK$76,903
−HK$2,357/mo
Today · 4.125%
HK$79,260
baseline
▲ 0.50% · 4.625%
HK$84,083
+HK$4,823/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,520/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,973
−HK$4,483/mo
▼ 0.25% · 3.875%
HK$85,198
−HK$2,258/mo
Today · 4.125%
HK$87,456
baseline
▲ 0.50% · 4.625%
HK$92,066
+HK$4,610/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,912/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,014
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$89,720
−HK$2,750/mo
Today · 4.125%
HK$92,470
baseline
▲ 0.50% · 4.625%
HK$98,097
+HK$5,627/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$184,940/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,802
−HK$5,230/mo
▼ 0.25% · 3.875%
HK$99,398
−HK$2,634/mo
Today · 4.125%
HK$102,032
baseline
▲ 0.50% · 4.625%
HK$107,410
+HK$5,378/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$204,064/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,875
−HK$7,015/mo
▼ 0.25% · 3.875%
HK$115,355
−HK$3,535/mo
Today · 4.125%
HK$118,890
baseline
▲ 0.50% · 4.625%
HK$126,124
+HK$7,234/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$237,780/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,459
−HK$6,725/mo
▼ 0.25% · 3.875%
HK$127,797
−HK$3,387/mo
Today · 4.125%
HK$131,184
baseline
▲ 0.50% · 4.625%
HK$138,098
+HK$6,914/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$262,368/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,416 · Scale 2, in force from 26 Feb 2026)