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$62,384
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,325
−HK$1,971/mo
Today · 4.125%
HK$66,296
baseline
▲ 0.50% · 4.625%
HK$70,330
+HK$4,034/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,592/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,402
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,263
−HK$1,888/mo
Today · 4.125%
HK$73,151
baseline
▲ 0.50% · 4.625%
HK$77,007
+HK$3,856/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,302/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,861
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,190
−HK$2,365/mo
Today · 4.125%
HK$79,555
baseline
▲ 0.50% · 4.625%
HK$84,396
+HK$4,841/mo
Deposit HK$10.94M · loan HK$16.42M · min. income ≈ HK$159,110/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,282
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,516
−HK$2,266/mo
Today · 4.125%
HK$87,782
baseline
▲ 0.50% · 4.625%
HK$92,409
+HK$4,627/mo
Deposit HK$10.94M · loan HK$16.42M · min. income ≈ HK$175,564/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,338
−HK$5,477/mo
▼ 0.25% · 3.875%
HK$90,055
−HK$2,760/mo
Today · 4.125%
HK$92,815
baseline
▲ 0.50% · 4.625%
HK$98,462
+HK$5,647/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,630/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,162
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,768
−HK$2,644/mo
Today · 4.125%
HK$102,412
baseline
▲ 0.50% · 4.625%
HK$107,810
+HK$5,398/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,824/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,291
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$115,784
−HK$3,549/mo
Today · 4.125%
HK$119,333
baseline
▲ 0.50% · 4.625%
HK$126,594
+HK$7,261/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,666/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,923
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$128,274
−HK$3,398/mo
Today · 4.125%
HK$131,672
baseline
▲ 0.50% · 4.625%
HK$138,613
+HK$6,941/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,344/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,732 · Scale 2, in force from 26 Feb 2026)