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$62,078
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$64,009
−HK$1,961/mo
Today · 4.125%
HK$65,970
baseline
▲ 0.50% · 4.625%
HK$69,985
+HK$4,015/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,940/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,157,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,061
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,913
−HK$1,879/mo
Today · 4.125%
HK$72,792
baseline
▲ 0.50% · 4.625%
HK$76,629
+HK$3,837/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,584/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,157,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,493
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,810
−HK$2,354/mo
Today · 4.125%
HK$79,164
baseline
▲ 0.50% · 4.625%
HK$83,981
+HK$4,817/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$158,328/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,873
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,095
−HK$2,255/mo
Today · 4.125%
HK$87,350
baseline
▲ 0.50% · 4.625%
HK$91,955
+HK$4,605/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$174,700/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,909
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,612
−HK$2,747/mo
Today · 4.125%
HK$92,359
baseline
▲ 0.50% · 4.625%
HK$97,978
+HK$5,619/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$184,718/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,157,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,685
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$99,278
−HK$2,631/mo
Today · 4.125%
HK$101,909
baseline
▲ 0.50% · 4.625%
HK$107,280
+HK$5,371/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$203,818/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,157,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,740
−HK$7,007/mo
▼ 0.25% · 3.875%
HK$115,215
−HK$3,532/mo
Today · 4.125%
HK$118,747
baseline
▲ 0.50% · 4.625%
HK$125,972
+HK$7,225/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$237,494/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,309
−HK$6,716/mo
▼ 0.25% · 3.875%
HK$127,643
−HK$3,382/mo
Today · 4.125%
HK$131,025
baseline
▲ 0.50% · 4.625%
HK$137,932
+HK$6,907/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$262,050/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,019 · Scale 2, in force from 26 Feb 2026)