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$62,376
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,316
−HK$1,971/mo
Today · 4.125%
HK$66,287
baseline
▲ 0.50% · 4.625%
HK$70,321
+HK$4,034/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,574/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,392
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,253
−HK$1,888/mo
Today · 4.125%
HK$73,141
baseline
▲ 0.50% · 4.625%
HK$76,997
+HK$3,856/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,282/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,851
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,179
−HK$2,366/mo
Today · 4.125%
HK$79,545
baseline
▲ 0.50% · 4.625%
HK$84,385
+HK$4,840/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,090/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,271
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,504
−HK$2,266/mo
Today · 4.125%
HK$87,770
baseline
▲ 0.50% · 4.625%
HK$92,396
+HK$4,626/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,540/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,326
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,042
−HK$2,760/mo
Today · 4.125%
HK$92,802
baseline
▲ 0.50% · 4.625%
HK$98,449
+HK$5,647/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,604/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,149
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,755
−HK$2,643/mo
Today · 4.125%
HK$102,398
baseline
▲ 0.50% · 4.625%
HK$107,796
+HK$5,398/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,796/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,276
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$115,769
−HK$3,548/mo
Today · 4.125%
HK$119,317
baseline
▲ 0.50% · 4.625%
HK$126,577
+HK$7,260/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,634/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,906
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$128,256
−HK$3,399/mo
Today · 4.125%
HK$131,655
baseline
▲ 0.50% · 4.625%
HK$138,594
+HK$6,939/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,310/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,575 · Scale 2, in force from 26 Feb 2026)