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$62,212
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,147
−HK$1,966/mo
Today · 4.125%
HK$66,113
baseline
▲ 0.50% · 4.625%
HK$70,136
+HK$4,023/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,226/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,210
−HK$3,739/mo
▼ 0.25% · 3.875%
HK$71,066
−HK$1,883/mo
Today · 4.125%
HK$72,949
baseline
▲ 0.50% · 4.625%
HK$76,794
+HK$3,845/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,898/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,654
−HK$4,682/mo
▼ 0.25% · 3.875%
HK$76,976
−HK$2,360/mo
Today · 4.125%
HK$79,336
baseline
▲ 0.50% · 4.625%
HK$84,163
+HK$4,827/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$158,672/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,052
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,279
−HK$2,260/mo
Today · 4.125%
HK$87,539
baseline
▲ 0.50% · 4.625%
HK$92,153
+HK$4,614/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$175,078/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,096
−HK$5,462/mo
▼ 0.25% · 3.875%
HK$89,806
−HK$2,752/mo
Today · 4.125%
HK$92,558
baseline
▲ 0.50% · 4.625%
HK$98,190
+HK$5,632/mo
Deposit HK$8.18M · loan HK$19.10M · min. income ≈ HK$185,116/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,894
−HK$5,235/mo
▼ 0.25% · 3.875%
HK$99,493
−HK$2,636/mo
Today · 4.125%
HK$102,129
baseline
▲ 0.50% · 4.625%
HK$107,512
+HK$5,383/mo
Deposit HK$8.18M · loan HK$19.10M · min. income ≈ HK$204,258/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,981
−HK$7,022/mo
▼ 0.25% · 3.875%
HK$115,464
−HK$3,539/mo
Today · 4.125%
HK$119,003
baseline
▲ 0.50% · 4.625%
HK$126,244
+HK$7,241/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$238,006/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,578
−HK$6,731/mo
▼ 0.25% · 3.875%
HK$127,919
−HK$3,390/mo
Today · 4.125%
HK$131,309
baseline
▲ 0.50% · 4.625%
HK$138,230
+HK$6,921/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$262,618/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,519 · Scale 2, in force from 26 Feb 2026)