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$62,437
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,379
−HK$1,974/mo
Today · 4.125%
HK$66,353
baseline
▲ 0.50% · 4.625%
HK$70,390
+HK$4,037/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,706/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,461
−HK$3,752/mo
▼ 0.25% · 3.875%
HK$71,324
−HK$1,889/mo
Today · 4.125%
HK$73,213
baseline
▲ 0.50% · 4.625%
HK$77,073
+HK$3,860/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,426/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,925
−HK$4,698/mo
▼ 0.25% · 3.875%
HK$77,255
−HK$2,368/mo
Today · 4.125%
HK$79,623
baseline
▲ 0.50% · 4.625%
HK$84,468
+HK$4,845/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$159,246/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,353
−HK$4,503/mo
▼ 0.25% · 3.875%
HK$85,588
−HK$2,268/mo
Today · 4.125%
HK$87,856
baseline
▲ 0.50% · 4.625%
HK$92,487
+HK$4,631/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$175,712/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,412
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$90,131
−HK$2,763/mo
Today · 4.125%
HK$92,894
baseline
▲ 0.50% · 4.625%
HK$98,546
+HK$5,652/mo
Deposit HK$8.21M · loan HK$19.17M · min. income ≈ HK$185,788/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,245
−HK$5,254/mo
▼ 0.25% · 3.875%
HK$99,853
−HK$2,646/mo
Today · 4.125%
HK$102,499
baseline
▲ 0.50% · 4.625%
HK$107,902
+HK$5,403/mo
Deposit HK$8.21M · loan HK$19.17M · min. income ≈ HK$204,998/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,387
−HK$7,048/mo
▼ 0.25% · 3.875%
HK$115,883
−HK$3,552/mo
Today · 4.125%
HK$119,435
baseline
▲ 0.50% · 4.625%
HK$126,702
+HK$7,267/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$238,870/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,029
−HK$6,755/mo
▼ 0.25% · 3.875%
HK$128,383
−HK$3,401/mo
Today · 4.125%
HK$131,784
baseline
▲ 0.50% · 4.625%
HK$138,731
+HK$6,947/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$263,568/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,721 · Scale 2, in force from 26 Feb 2026)