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$62,349
−HK$3,910/mo
▼ 0.25% · 3.875%
HK$64,288
−HK$1,971/mo
Today · 4.125%
HK$66,259
baseline
▲ 0.50% · 4.625%
HK$70,291
+HK$4,032/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$132,518/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,162,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,363
−HK$3,747/mo
▼ 0.25% · 3.875%
HK$71,223
−HK$1,887/mo
Today · 4.125%
HK$73,110
baseline
▲ 0.50% · 4.625%
HK$76,964
+HK$3,854/mo
Deposit HK$13.67M · loan HK$13.67M · min. income ≈ HK$146,220/mo (50% DSR)
Upfront cash ≈ HK$14.83M (deposit + AVD stamp duty HK$1,162,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,819
−HK$4,692/mo
▼ 0.25% · 3.875%
HK$77,146
−HK$2,365/mo
Today · 4.125%
HK$79,511
baseline
▲ 0.50% · 4.625%
HK$84,349
+HK$4,838/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,022/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,235
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$85,467
−HK$2,265/mo
Today · 4.125%
HK$87,732
baseline
▲ 0.50% · 4.625%
HK$92,357
+HK$4,625/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,464/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,289
−HK$5,473/mo
▼ 0.25% · 3.875%
HK$90,004
−HK$2,758/mo
Today · 4.125%
HK$92,762
baseline
▲ 0.50% · 4.625%
HK$98,407
+HK$5,645/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$185,524/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,162,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,108
−HK$5,246/mo
▼ 0.25% · 3.875%
HK$99,712
−HK$2,642/mo
Today · 4.125%
HK$102,354
baseline
▲ 0.50% · 4.625%
HK$107,749
+HK$5,395/mo
Deposit HK$8.20M · loan HK$19.14M · min. income ≈ HK$204,708/mo (50% DSR)
Upfront cash ≈ HK$9.36M (deposit + AVD stamp duty HK$1,162,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,228
−HK$7,038/mo
▼ 0.25% · 3.875%
HK$115,719
−HK$3,547/mo
Today · 4.125%
HK$119,266
baseline
▲ 0.50% · 4.625%
HK$126,523
+HK$7,257/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$238,532/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,853
−HK$6,745/mo
▼ 0.25% · 3.875%
HK$128,201
−HK$3,397/mo
Today · 4.125%
HK$131,598
baseline
▲ 0.50% · 4.625%
HK$138,535
+HK$6,937/mo
Deposit HK$2.73M · loan HK$24.61M · min. income ≈ HK$263,196/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,077 · Scale 2, in force from 26 Feb 2026)