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$62,167
−HK$3,898/mo
▼ 0.25% · 3.875%
HK$64,100
−HK$1,965/mo
Today · 4.125%
HK$66,065
baseline
▲ 0.50% · 4.625%
HK$70,085
+HK$4,020/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,130/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,160
−HK$3,736/mo
▼ 0.25% · 3.875%
HK$71,015
−HK$1,881/mo
Today · 4.125%
HK$72,896
baseline
▲ 0.50% · 4.625%
HK$76,739
+HK$3,843/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,792/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,600
−HK$4,678/mo
▼ 0.25% · 3.875%
HK$76,920
−HK$2,358/mo
Today · 4.125%
HK$79,278
baseline
▲ 0.50% · 4.625%
HK$84,102
+HK$4,824/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$158,556/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,992
−HK$4,484/mo
▼ 0.25% · 3.875%
HK$85,218
−HK$2,258/mo
Today · 4.125%
HK$87,476
baseline
▲ 0.50% · 4.625%
HK$92,087
+HK$4,611/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$174,952/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,158,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,033
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,741
−HK$2,750/mo
Today · 4.125%
HK$92,491
baseline
▲ 0.50% · 4.625%
HK$98,119
+HK$5,628/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$184,982/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,824
−HK$5,231/mo
▼ 0.25% · 3.875%
HK$99,420
−HK$2,635/mo
Today · 4.125%
HK$102,055
baseline
▲ 0.50% · 4.625%
HK$107,434
+HK$5,379/mo
Deposit HK$8.18M · loan HK$19.08M · min. income ≈ HK$204,110/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,900
−HK$7,017/mo
▼ 0.25% · 3.875%
HK$115,381
−HK$3,536/mo
Today · 4.125%
HK$118,917
baseline
▲ 0.50% · 4.625%
HK$126,153
+HK$7,236/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$237,834/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,488
−HK$6,725/mo
▼ 0.25% · 3.875%
HK$127,826
−HK$3,387/mo
Today · 4.125%
HK$131,213
baseline
▲ 0.50% · 4.625%
HK$138,130
+HK$6,917/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$262,426/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,158,679 · Scale 2, in force from 26 Feb 2026)