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$62,491
−HK$3,919/mo
▼ 0.25% · 3.875%
HK$64,435
−HK$1,975/mo
Today · 4.125%
HK$66,410
baseline
▲ 0.50% · 4.625%
HK$70,451
+HK$4,041/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,820/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,521
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,385
−HK$1,892/mo
Today · 4.125%
HK$73,277
baseline
▲ 0.50% · 4.625%
HK$77,139
+HK$3,862/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,554/mo (50% DSR)
Upfront cash ≈ HK$14.87M (deposit + AVD stamp duty HK$1,164,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,989
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,322
−HK$2,370/mo
Today · 4.125%
HK$79,692
baseline
▲ 0.50% · 4.625%
HK$84,541
+HK$4,849/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,384/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,425
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,662
−HK$2,270/mo
Today · 4.125%
HK$87,932
baseline
▲ 0.50% · 4.625%
HK$92,567
+HK$4,635/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,864/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,164,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,487
−HK$5,487/mo
▼ 0.25% · 3.875%
HK$90,209
−HK$2,765/mo
Today · 4.125%
HK$92,974
baseline
▲ 0.50% · 4.625%
HK$98,631
+HK$5,657/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$185,948/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,329
−HK$5,258/mo
▼ 0.25% · 3.875%
HK$99,939
−HK$2,648/mo
Today · 4.125%
HK$102,587
baseline
▲ 0.50% · 4.625%
HK$107,995
+HK$5,408/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$205,174/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,164,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,484
−HK$7,054/mo
▼ 0.25% · 3.875%
HK$115,983
−HK$3,555/mo
Today · 4.125%
HK$119,538
baseline
▲ 0.50% · 4.625%
HK$126,811
+HK$7,273/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$239,076/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,137
−HK$6,761/mo
▼ 0.25% · 3.875%
HK$128,493
−HK$3,405/mo
Today · 4.125%
HK$131,898
baseline
▲ 0.50% · 4.625%
HK$138,850
+HK$6,952/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$263,796/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,164,724 · Scale 2, in force from 26 Feb 2026)