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$62,119
−HK$3,895/mo
▼ 0.25% · 3.875%
HK$64,051
−HK$1,963/mo
Today · 4.125%
HK$66,014
baseline
▲ 0.50% · 4.625%
HK$70,031
+HK$4,017/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,028/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,107
−HK$3,733/mo
▼ 0.25% · 3.875%
HK$70,960
−HK$1,880/mo
Today · 4.125%
HK$72,840
baseline
▲ 0.50% · 4.625%
HK$76,680
+HK$3,840/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,680/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,543
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,861
−HK$2,356/mo
Today · 4.125%
HK$79,217
baseline
▲ 0.50% · 4.625%
HK$84,037
+HK$4,820/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,434/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,928
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,152
−HK$2,256/mo
Today · 4.125%
HK$87,408
baseline
▲ 0.50% · 4.625%
HK$92,016
+HK$4,608/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,816/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,966
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,672
−HK$2,748/mo
Today · 4.125%
HK$92,420
baseline
▲ 0.50% · 4.625%
HK$98,043
+HK$5,623/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,840/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,749
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,344
−HK$2,632/mo
Today · 4.125%
HK$101,976
baseline
▲ 0.50% · 4.625%
HK$107,352
+HK$5,376/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,952/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,814
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$115,292
−HK$3,534/mo
Today · 4.125%
HK$118,826
baseline
▲ 0.50% · 4.625%
HK$126,056
+HK$7,230/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$237,652/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,392
−HK$6,720/mo
▼ 0.25% · 3.875%
HK$127,728
−HK$3,384/mo
Today · 4.125%
HK$131,112
baseline
▲ 0.50% · 4.625%
HK$138,024
+HK$6,912/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$262,224/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,787 · Scale 2, in force from 26 Feb 2026)