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$62,551
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,496
−HK$1,977/mo
Today · 4.125%
HK$66,473
baseline
▲ 0.50% · 4.625%
HK$70,518
+HK$4,045/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$132,946/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,587
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,453
−HK$1,894/mo
Today · 4.125%
HK$73,347
baseline
▲ 0.50% · 4.625%
HK$77,213
+HK$3,866/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,694/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,061
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,396
−HK$2,372/mo
Today · 4.125%
HK$79,768
baseline
▲ 0.50% · 4.625%
HK$84,622
+HK$4,854/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,536/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,504
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,744
−HK$2,272/mo
Today · 4.125%
HK$88,016
baseline
▲ 0.50% · 4.625%
HK$92,655
+HK$4,639/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$176,032/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,571
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,295
−HK$2,768/mo
Today · 4.125%
HK$93,063
baseline
▲ 0.50% · 4.625%
HK$98,725
+HK$5,662/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,126/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,165,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,422
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,035
−HK$2,650/mo
Today · 4.125%
HK$102,685
baseline
▲ 0.50% · 4.625%
HK$108,098
+HK$5,413/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,370/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,165,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,591
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$116,094
−HK$3,558/mo
Today · 4.125%
HK$119,652
baseline
▲ 0.50% · 4.625%
HK$126,932
+HK$7,280/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$239,304/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,257
−HK$6,767/mo
▼ 0.25% · 3.875%
HK$128,616
−HK$3,408/mo
Today · 4.125%
HK$132,024
baseline
▲ 0.50% · 4.625%
HK$138,983
+HK$6,959/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$264,048/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,837 · Scale 2, in force from 26 Feb 2026)