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$62,589
−HK$3,925/mo
▼ 0.25% · 3.875%
HK$64,536
−HK$1,978/mo
Today · 4.125%
HK$66,514
baseline
▲ 0.50% · 4.625%
HK$70,561
+HK$4,047/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$133,028/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,630
−HK$3,762/mo
▼ 0.25% · 3.875%
HK$71,497
−HK$1,895/mo
Today · 4.125%
HK$73,392
baseline
▲ 0.50% · 4.625%
HK$77,260
+HK$3,868/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,784/mo (50% DSR)
Upfront cash ≈ HK$14.89M (deposit + AVD stamp duty HK$1,166,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,107
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,443
−HK$2,374/mo
Today · 4.125%
HK$79,817
baseline
▲ 0.50% · 4.625%
HK$84,674
+HK$4,857/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$159,634/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,556
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,797
−HK$2,273/mo
Today · 4.125%
HK$88,070
baseline
▲ 0.50% · 4.625%
HK$92,712
+HK$4,642/mo
Deposit HK$10.98M · loan HK$16.47M · min. income ≈ HK$176,140/mo (50% DSR)
Upfront cash ≈ HK$12.15M (deposit + AVD stamp duty HK$1,166,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,625
−HK$5,495/mo
▼ 0.25% · 3.875%
HK$90,350
−HK$2,770/mo
Today · 4.125%
HK$93,120
baseline
▲ 0.50% · 4.625%
HK$98,786
+HK$5,666/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$186,240/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,482
−HK$5,266/mo
▼ 0.25% · 3.875%
HK$100,096
−HK$2,652/mo
Today · 4.125%
HK$102,748
baseline
▲ 0.50% · 4.625%
HK$108,164
+HK$5,416/mo
Deposit HK$8.23M · loan HK$19.21M · min. income ≈ HK$205,496/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,166,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,660
−HK$7,065/mo
▼ 0.25% · 3.875%
HK$116,165
−HK$3,560/mo
Today · 4.125%
HK$119,725
baseline
▲ 0.50% · 4.625%
HK$127,010
+HK$7,285/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$239,450/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,334
−HK$6,771/mo
▼ 0.25% · 3.875%
HK$128,695
−HK$3,410/mo
Today · 4.125%
HK$132,105
baseline
▲ 0.50% · 4.625%
HK$139,068
+HK$6,963/mo
Deposit HK$2.74M · loan HK$24.70M · min. income ≈ HK$264,210/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,166,553 · Scale 2, in force from 26 Feb 2026)