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$62,554
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,499
−HK$1,977/mo
Today · 4.125%
HK$66,476
baseline
▲ 0.50% · 4.625%
HK$70,521
+HK$4,045/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$132,952/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,590
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,457
−HK$1,893/mo
Today · 4.125%
HK$73,350
baseline
▲ 0.50% · 4.625%
HK$77,217
+HK$3,867/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,700/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,064
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,399
−HK$2,373/mo
Today · 4.125%
HK$79,772
baseline
▲ 0.50% · 4.625%
HK$84,626
+HK$4,854/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,544/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,508
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,748
−HK$2,272/mo
Today · 4.125%
HK$88,020
baseline
▲ 0.50% · 4.625%
HK$92,660
+HK$4,640/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$176,040/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,575
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,299
−HK$2,768/mo
Today · 4.125%
HK$93,067
baseline
▲ 0.50% · 4.625%
HK$98,730
+HK$5,663/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,134/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,165,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,427
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,039
−HK$2,651/mo
Today · 4.125%
HK$102,690
baseline
▲ 0.50% · 4.625%
HK$108,103
+HK$5,413/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,380/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,165,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,597
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$116,099
−HK$3,558/mo
Today · 4.125%
HK$119,657
baseline
▲ 0.50% · 4.625%
HK$126,938
+HK$7,281/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$239,314/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,263
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$128,622
−HK$3,408/mo
Today · 4.125%
HK$132,030
baseline
▲ 0.50% · 4.625%
HK$138,990
+HK$6,960/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$264,060/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,893 · Scale 2, in force from 26 Feb 2026)