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$62,187
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,121
−HK$1,966/mo
Today · 4.125%
HK$66,087
baseline
▲ 0.50% · 4.625%
HK$70,108
+HK$4,021/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,174/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,159,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,182
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,038
−HK$1,882/mo
Today · 4.125%
HK$72,920
baseline
▲ 0.50% · 4.625%
HK$76,764
+HK$3,844/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,840/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,159,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,624
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,945
−HK$2,359/mo
Today · 4.125%
HK$79,304
baseline
▲ 0.50% · 4.625%
HK$84,129
+HK$4,825/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$158,608/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,019
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,245
−HK$2,259/mo
Today · 4.125%
HK$87,504
baseline
▲ 0.50% · 4.625%
HK$92,116
+HK$4,612/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$175,008/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,062
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,770
−HK$2,751/mo
Today · 4.125%
HK$92,521
baseline
▲ 0.50% · 4.625%
HK$98,151
+HK$5,630/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,042/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,855
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,453
−HK$2,635/mo
Today · 4.125%
HK$102,088
baseline
▲ 0.50% · 4.625%
HK$107,469
+HK$5,381/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,176/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,936
−HK$7,020/mo
▼ 0.25% · 3.875%
HK$115,418
−HK$3,538/mo
Today · 4.125%
HK$118,956
baseline
▲ 0.50% · 4.625%
HK$126,194
+HK$7,238/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$237,912/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,528
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$127,868
−HK$3,388/mo
Today · 4.125%
HK$131,256
baseline
▲ 0.50% · 4.625%
HK$138,175
+HK$6,919/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$262,512/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,055 · Scale 2, in force from 26 Feb 2026)