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$62,465
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,408
−HK$1,974/mo
Today · 4.125%
HK$66,382
baseline
▲ 0.50% · 4.625%
HK$70,421
+HK$4,039/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,764/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,491
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,355
−HK$1,891/mo
Today · 4.125%
HK$73,246
baseline
▲ 0.50% · 4.625%
HK$77,107
+HK$3,861/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,492/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,958
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,289
−HK$2,369/mo
Today · 4.125%
HK$79,658
baseline
▲ 0.50% · 4.625%
HK$84,505
+HK$4,847/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,316/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,390
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,626
−HK$2,269/mo
Today · 4.125%
HK$87,895
baseline
▲ 0.50% · 4.625%
HK$92,528
+HK$4,633/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,790/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,451
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$90,171
−HK$2,764/mo
Today · 4.125%
HK$92,935
baseline
▲ 0.50% · 4.625%
HK$98,590
+HK$5,655/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$185,870/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,288
−HK$5,256/mo
▼ 0.25% · 3.875%
HK$99,897
−HK$2,647/mo
Today · 4.125%
HK$102,544
baseline
▲ 0.50% · 4.625%
HK$107,949
+HK$5,405/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$205,088/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,437
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$115,934
−HK$3,553/mo
Today · 4.125%
HK$119,487
baseline
▲ 0.50% · 4.625%
HK$126,758
+HK$7,271/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$238,974/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,085
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$128,439
−HK$3,404/mo
Today · 4.125%
HK$131,843
baseline
▲ 0.50% · 4.625%
HK$138,792
+HK$6,949/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$263,686/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,236 · Scale 2, in force from 26 Feb 2026)