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$62,140
−HK$3,897/mo
▼ 0.25% · 3.875%
HK$64,073
−HK$1,964/mo
Today · 4.125%
HK$66,037
baseline
▲ 0.50% · 4.625%
HK$70,055
+HK$4,018/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,074/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,158,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,130
−HK$3,735/mo
▼ 0.25% · 3.875%
HK$70,984
−HK$1,881/mo
Today · 4.125%
HK$72,865
baseline
▲ 0.50% · 4.625%
HK$76,706
+HK$3,841/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,730/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,158,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,568
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$76,888
−HK$2,356/mo
Today · 4.125%
HK$79,244
baseline
▲ 0.50% · 4.625%
HK$84,066
+HK$4,822/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,488/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,956
−HK$4,482/mo
▼ 0.25% · 3.875%
HK$85,181
−HK$2,257/mo
Today · 4.125%
HK$87,438
baseline
▲ 0.50% · 4.625%
HK$92,047
+HK$4,609/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,876/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,996
−HK$5,456/mo
▼ 0.25% · 3.875%
HK$89,702
−HK$2,750/mo
Today · 4.125%
HK$92,452
baseline
▲ 0.50% · 4.625%
HK$98,077
+HK$5,625/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$184,904/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,782
−HK$5,229/mo
▼ 0.25% · 3.875%
HK$99,378
−HK$2,633/mo
Today · 4.125%
HK$102,011
baseline
▲ 0.50% · 4.625%
HK$107,388
+HK$5,377/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$204,022/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,158,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,852
−HK$7,014/mo
▼ 0.25% · 3.875%
HK$115,331
−HK$3,535/mo
Today · 4.125%
HK$118,866
baseline
▲ 0.50% · 4.625%
HK$126,099
+HK$7,233/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$237,732/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,434
−HK$6,723/mo
▼ 0.25% · 3.875%
HK$127,772
−HK$3,385/mo
Today · 4.125%
HK$131,157
baseline
▲ 0.50% · 4.625%
HK$138,071
+HK$6,914/mo
Deposit HK$2.73M · loan HK$24.53M · min. income ≈ HK$262,314/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,183 · Scale 2, in force from 26 Feb 2026)