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$62,501
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,445
−HK$1,976/mo
Today · 4.125%
HK$66,421
baseline
▲ 0.50% · 4.625%
HK$70,462
+HK$4,041/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,842/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,532
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,397
−HK$1,892/mo
Today · 4.125%
HK$73,289
baseline
▲ 0.50% · 4.625%
HK$77,152
+HK$3,863/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,578/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,002
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,335
−HK$2,370/mo
Today · 4.125%
HK$79,705
baseline
▲ 0.50% · 4.625%
HK$84,555
+HK$4,850/mo
Deposit HK$10.96M · loan HK$16.45M · min. income ≈ HK$159,410/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,438
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,676
−HK$2,270/mo
Today · 4.125%
HK$87,946
baseline
▲ 0.50% · 4.625%
HK$92,582
+HK$4,636/mo
Deposit HK$10.96M · loan HK$16.45M · min. income ≈ HK$175,892/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,502
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$90,224
−HK$2,765/mo
Today · 4.125%
HK$92,989
baseline
▲ 0.50% · 4.625%
HK$98,647
+HK$5,658/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$185,978/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,345
−HK$5,259/mo
▼ 0.25% · 3.875%
HK$99,956
−HK$2,648/mo
Today · 4.125%
HK$102,604
baseline
▲ 0.50% · 4.625%
HK$108,013
+HK$5,409/mo
Deposit HK$8.22M · loan HK$19.19M · min. income ≈ HK$205,208/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,502
−HK$7,055/mo
▼ 0.25% · 3.875%
HK$116,002
−HK$3,555/mo
Today · 4.125%
HK$119,557
baseline
▲ 0.50% · 4.625%
HK$126,832
+HK$7,275/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$239,114/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,158
−HK$6,762/mo
▼ 0.25% · 3.875%
HK$128,514
−HK$3,406/mo
Today · 4.125%
HK$131,920
baseline
▲ 0.50% · 4.625%
HK$138,873
+HK$6,953/mo
Deposit HK$2.74M · loan HK$24.67M · min. income ≈ HK$263,840/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,916 · Scale 2, in force from 26 Feb 2026)