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$62,548
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,493
−HK$1,977/mo
Today · 4.125%
HK$66,470
baseline
▲ 0.50% · 4.625%
HK$70,514
+HK$4,044/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$132,940/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,584
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,450
−HK$1,893/mo
Today · 4.125%
HK$73,343
baseline
▲ 0.50% · 4.625%
HK$77,209
+HK$3,866/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,686/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,057
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,392
−HK$2,372/mo
Today · 4.125%
HK$79,764
baseline
▲ 0.50% · 4.625%
HK$84,617
+HK$4,853/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,528/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,500
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,740
−HK$2,272/mo
Today · 4.125%
HK$88,012
baseline
▲ 0.50% · 4.625%
HK$92,651
+HK$4,639/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$176,024/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,567
−HK$5,491/mo
▼ 0.25% · 3.875%
HK$90,291
−HK$2,767/mo
Today · 4.125%
HK$93,058
baseline
▲ 0.50% · 4.625%
HK$98,720
+HK$5,662/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,116/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,417
−HK$5,263/mo
▼ 0.25% · 3.875%
HK$100,030
−HK$2,650/mo
Today · 4.125%
HK$102,680
baseline
▲ 0.50% · 4.625%
HK$108,093
+HK$5,413/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,360/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,586
−HK$7,060/mo
▼ 0.25% · 3.875%
HK$116,088
−HK$3,558/mo
Today · 4.125%
HK$119,646
baseline
▲ 0.50% · 4.625%
HK$126,926
+HK$7,280/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$239,292/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,251
−HK$6,766/mo
▼ 0.25% · 3.875%
HK$128,610
−HK$3,407/mo
Today · 4.125%
HK$132,017
baseline
▲ 0.50% · 4.625%
HK$138,976
+HK$6,959/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$264,034/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,780 · Scale 2, in force from 26 Feb 2026)