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$62,406
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,347
−HK$1,973/mo
Today · 4.125%
HK$66,320
baseline
▲ 0.50% · 4.625%
HK$70,355
+HK$4,035/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,640/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,426
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,288
−HK$1,889/mo
Today · 4.125%
HK$73,177
baseline
▲ 0.50% · 4.625%
HK$77,034
+HK$3,857/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,354/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,887
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,217
−HK$2,366/mo
Today · 4.125%
HK$79,583
baseline
▲ 0.50% · 4.625%
HK$84,426
+HK$4,843/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$159,166/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,311
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,546
−HK$2,267/mo
Today · 4.125%
HK$87,813
baseline
▲ 0.50% · 4.625%
HK$92,441
+HK$4,628/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$175,626/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,369
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,086
−HK$2,761/mo
Today · 4.125%
HK$92,847
baseline
▲ 0.50% · 4.625%
HK$98,497
+HK$5,650/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$185,694/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,163,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,197
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,803
−HK$2,645/mo
Today · 4.125%
HK$102,448
baseline
▲ 0.50% · 4.625%
HK$107,848
+HK$5,400/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$204,896/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,163,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,331
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$115,825
−HK$3,550/mo
Today · 4.125%
HK$119,375
baseline
▲ 0.50% · 4.625%
HK$126,639
+HK$7,264/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$238,750/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,142 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,967
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$128,319
−HK$3,400/mo
Today · 4.125%
HK$131,719
baseline
▲ 0.50% · 4.625%
HK$138,662
+HK$6,943/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$263,438/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,142 · Scale 2, in force from 26 Feb 2026)