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$62,363
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,303
−HK$1,971/mo
Today · 4.125%
HK$66,274
baseline
▲ 0.50% · 4.625%
HK$70,306
+HK$4,032/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,548/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,378
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,239
−HK$1,888/mo
Today · 4.125%
HK$73,127
baseline
▲ 0.50% · 4.625%
HK$76,981
+HK$3,854/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,254/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,836
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,164
−HK$2,365/mo
Today · 4.125%
HK$79,529
baseline
▲ 0.50% · 4.625%
HK$84,368
+HK$4,839/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,058/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,254
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,487
−HK$2,265/mo
Today · 4.125%
HK$87,752
baseline
▲ 0.50% · 4.625%
HK$92,378
+HK$4,626/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,504/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,308
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$90,024
−HK$2,759/mo
Today · 4.125%
HK$92,783
baseline
▲ 0.50% · 4.625%
HK$98,429
+HK$5,646/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$185,566/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,130
−HK$5,247/mo
▼ 0.25% · 3.875%
HK$99,735
−HK$2,642/mo
Today · 4.125%
HK$102,377
baseline
▲ 0.50% · 4.625%
HK$107,774
+HK$5,397/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$204,754/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,254
−HK$7,039/mo
▼ 0.25% · 3.875%
HK$115,745
−HK$3,548/mo
Today · 4.125%
HK$119,293
baseline
▲ 0.50% · 4.625%
HK$126,552
+HK$7,259/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$238,586/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,881
−HK$6,747/mo
▼ 0.25% · 3.875%
HK$128,230
−HK$3,398/mo
Today · 4.125%
HK$131,628
baseline
▲ 0.50% · 4.625%
HK$138,566
+HK$6,938/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$263,256/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,341 · Scale 2, in force from 26 Feb 2026)