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$62,563
−HK$3,923/mo
▼ 0.25% · 3.875%
HK$64,509
−HK$1,977/mo
Today · 4.125%
HK$66,486
baseline
▲ 0.50% · 4.625%
HK$70,532
+HK$4,046/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$132,972/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,166,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,601
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,468
−HK$1,893/mo
Today · 4.125%
HK$73,361
baseline
▲ 0.50% · 4.625%
HK$77,228
+HK$3,867/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,722/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,166,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,076
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,411
−HK$2,373/mo
Today · 4.125%
HK$79,784
baseline
▲ 0.50% · 4.625%
HK$84,638
+HK$4,854/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,568/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,521
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,761
−HK$2,272/mo
Today · 4.125%
HK$88,033
baseline
▲ 0.50% · 4.625%
HK$92,674
+HK$4,641/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$176,066/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,166,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,588
−HK$5,493/mo
▼ 0.25% · 3.875%
HK$90,313
−HK$2,768/mo
Today · 4.125%
HK$93,081
baseline
▲ 0.50% · 4.625%
HK$98,745
+HK$5,664/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$186,162/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,441
−HK$5,265/mo
▼ 0.25% · 3.875%
HK$100,055
−HK$2,651/mo
Today · 4.125%
HK$102,706
baseline
▲ 0.50% · 4.625%
HK$108,119
+HK$5,413/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$205,412/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,614
−HK$7,062/mo
▼ 0.25% · 3.875%
HK$116,117
−HK$3,559/mo
Today · 4.125%
HK$119,676
baseline
▲ 0.50% · 4.625%
HK$126,958
+HK$7,282/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$239,352/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,282
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$128,642
−HK$3,408/mo
Today · 4.125%
HK$132,050
baseline
▲ 0.50% · 4.625%
HK$139,011
+HK$6,961/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$264,100/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,069 · Scale 2, in force from 26 Feb 2026)