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$62,521
−HK$3,920/mo
▼ 0.25% · 3.875%
HK$64,465
−HK$1,976/mo
Today · 4.125%
HK$66,441
baseline
▲ 0.50% · 4.625%
HK$70,484
+HK$4,043/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,882/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,554
−HK$3,757/mo
▼ 0.25% · 3.875%
HK$71,419
−HK$1,892/mo
Today · 4.125%
HK$73,311
baseline
▲ 0.50% · 4.625%
HK$77,176
+HK$3,865/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,622/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,165,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,025
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,358
−HK$2,371/mo
Today · 4.125%
HK$79,729
baseline
▲ 0.50% · 4.625%
HK$84,581
+HK$4,852/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$159,458/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,464
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,703
−HK$2,271/mo
Today · 4.125%
HK$87,974
baseline
▲ 0.50% · 4.625%
HK$92,611
+HK$4,637/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$175,948/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,529
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,252
−HK$2,766/mo
Today · 4.125%
HK$93,018
baseline
▲ 0.50% · 4.625%
HK$98,678
+HK$5,660/mo
Deposit HK$8.23M · loan HK$19.19M · min. income ≈ HK$186,036/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,375
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,987
−HK$2,649/mo
Today · 4.125%
HK$102,636
baseline
▲ 0.50% · 4.625%
HK$108,046
+HK$5,410/mo
Deposit HK$8.23M · loan HK$19.19M · min. income ≈ HK$205,272/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,537
−HK$7,057/mo
▼ 0.25% · 3.875%
HK$116,038
−HK$3,556/mo
Today · 4.125%
HK$119,594
baseline
▲ 0.50% · 4.625%
HK$126,871
+HK$7,277/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,188/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,196
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$128,554
−HK$3,406/mo
Today · 4.125%
HK$131,960
baseline
▲ 0.50% · 4.625%
HK$138,916
+HK$6,956/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$263,920/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,276 · Scale 2, in force from 26 Feb 2026)