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$62,332
−HK$3,908/mo
▼ 0.25% · 3.875%
HK$64,270
−HK$1,970/mo
Today · 4.125%
HK$66,240
baseline
▲ 0.50% · 4.625%
HK$70,271
+HK$4,031/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,480/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,343
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,203
−HK$1,887/mo
Today · 4.125%
HK$73,090
baseline
▲ 0.50% · 4.625%
HK$76,942
+HK$3,852/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,180/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,161,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,798
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,124
−HK$2,364/mo
Today · 4.125%
HK$79,488
baseline
▲ 0.50% · 4.625%
HK$84,325
+HK$4,837/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$158,976/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,212
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,444
−HK$2,264/mo
Today · 4.125%
HK$87,708
baseline
▲ 0.50% · 4.625%
HK$92,331
+HK$4,623/mo
Deposit HK$10.93M · loan HK$16.40M · min. income ≈ HK$175,416/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,161,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,264
−HK$5,472/mo
▼ 0.25% · 3.875%
HK$89,979
−HK$2,757/mo
Today · 4.125%
HK$92,736
baseline
▲ 0.50% · 4.625%
HK$98,379
+HK$5,643/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$185,472/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,080
−HK$5,245/mo
▼ 0.25% · 3.875%
HK$99,684
−HK$2,641/mo
Today · 4.125%
HK$102,325
baseline
▲ 0.50% · 4.625%
HK$107,719
+HK$5,394/mo
Deposit HK$8.20M · loan HK$19.13M · min. income ≈ HK$204,650/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,161,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,197
−HK$7,035/mo
▼ 0.25% · 3.875%
HK$115,687
−HK$3,545/mo
Today · 4.125%
HK$119,232
baseline
▲ 0.50% · 4.625%
HK$126,488
+HK$7,256/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$238,464/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,818
−HK$6,743/mo
▼ 0.25% · 3.875%
HK$128,165
−HK$3,396/mo
Today · 4.125%
HK$131,561
baseline
▲ 0.50% · 4.625%
HK$138,496
+HK$6,935/mo
Deposit HK$2.73M · loan HK$24.60M · min. income ≈ HK$263,122/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,161,752 · Scale 2, in force from 26 Feb 2026)