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$62,180
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,114
−HK$1,965/mo
Today · 4.125%
HK$66,079
baseline
▲ 0.50% · 4.625%
HK$70,100
+HK$4,021/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,158/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,174
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,030
−HK$1,882/mo
Today · 4.125%
HK$72,912
baseline
▲ 0.50% · 4.625%
HK$76,755
+HK$3,843/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,824/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,616
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,937
−HK$2,358/mo
Today · 4.125%
HK$79,295
baseline
▲ 0.50% · 4.625%
HK$84,120
+HK$4,825/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$158,590/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,158,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,009
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,235
−HK$2,259/mo
Today · 4.125%
HK$87,494
baseline
▲ 0.50% · 4.625%
HK$92,106
+HK$4,612/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$174,988/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,158,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,052
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,759
−HK$2,751/mo
Today · 4.125%
HK$92,510
baseline
▲ 0.50% · 4.625%
HK$98,140
+HK$5,630/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,020/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,844
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,441
−HK$2,635/mo
Today · 4.125%
HK$102,076
baseline
▲ 0.50% · 4.625%
HK$107,457
+HK$5,381/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,152/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,923
−HK$7,019/mo
▼ 0.25% · 3.875%
HK$115,405
−HK$3,537/mo
Today · 4.125%
HK$118,942
baseline
▲ 0.50% · 4.625%
HK$126,179
+HK$7,237/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$237,884/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,514
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$127,853
−HK$3,388/mo
Today · 4.125%
HK$131,241
baseline
▲ 0.50% · 4.625%
HK$138,159
+HK$6,918/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$262,482/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,922 · Scale 2, in force from 26 Feb 2026)