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$62,351
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,290
−HK$1,971/mo
Today · 4.125%
HK$66,261
baseline
▲ 0.50% · 4.625%
HK$70,293
+HK$4,032/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,522/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,162,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,365
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,225
−HK$1,887/mo
Today · 4.125%
HK$73,112
baseline
▲ 0.50% · 4.625%
HK$76,966
+HK$3,854/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,224/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,162,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,821
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,148
−HK$2,365/mo
Today · 4.125%
HK$79,513
baseline
▲ 0.50% · 4.625%
HK$84,351
+HK$4,838/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,026/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,238
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$85,470
−HK$2,265/mo
Today · 4.125%
HK$87,735
baseline
▲ 0.50% · 4.625%
HK$92,359
+HK$4,624/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,470/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,291
−HK$5,474/mo
▼ 0.25% · 3.875%
HK$90,006
−HK$2,759/mo
Today · 4.125%
HK$92,765
baseline
▲ 0.50% · 4.625%
HK$98,410
+HK$5,645/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$185,530/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,110
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,715
−HK$2,642/mo
Today · 4.125%
HK$102,357
baseline
▲ 0.50% · 4.625%
HK$107,752
+HK$5,395/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$204,714/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,231
−HK$7,038/mo
▼ 0.25% · 3.875%
HK$115,722
−HK$3,547/mo
Today · 4.125%
HK$119,269
baseline
▲ 0.50% · 4.625%
HK$126,527
+HK$7,258/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$238,538/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,856
−HK$6,746/mo
▼ 0.25% · 3.875%
HK$128,205
−HK$3,397/mo
Today · 4.125%
HK$131,602
baseline
▲ 0.50% · 4.625%
HK$138,539
+HK$6,937/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$263,204/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,110 · Scale 2, in force from 26 Feb 2026)