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$62,366
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,306
−HK$1,971/mo
Today · 4.125%
HK$66,277
baseline
▲ 0.50% · 4.625%
HK$70,310
+HK$4,033/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,554/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,382
−HK$3,748/mo
▼ 0.25% · 3.875%
HK$71,243
−HK$1,887/mo
Today · 4.125%
HK$73,130
baseline
▲ 0.50% · 4.625%
HK$76,985
+HK$3,855/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,260/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,840
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,167
−HK$2,366/mo
Today · 4.125%
HK$79,533
baseline
▲ 0.50% · 4.625%
HK$84,372
+HK$4,839/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,066/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,258
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,491
−HK$2,265/mo
Today · 4.125%
HK$87,756
baseline
▲ 0.50% · 4.625%
HK$92,382
+HK$4,626/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,512/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,313
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$90,029
−HK$2,759/mo
Today · 4.125%
HK$92,788
baseline
▲ 0.50% · 4.625%
HK$98,434
+HK$5,646/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,576/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,135
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,740
−HK$2,643/mo
Today · 4.125%
HK$102,383
baseline
▲ 0.50% · 4.625%
HK$107,779
+HK$5,396/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,766/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,259
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$115,751
−HK$3,548/mo
Today · 4.125%
HK$119,299
baseline
▲ 0.50% · 4.625%
HK$126,558
+HK$7,259/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,598/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,887
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$128,237
−HK$3,398/mo
Today · 4.125%
HK$131,635
baseline
▲ 0.50% · 4.625%
HK$138,573
+HK$6,938/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,270/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,399 · Scale 2, in force from 26 Feb 2026)