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$62,456
−HK$3,917/mo
▼ 0.25% · 3.875%
HK$64,399
−HK$1,974/mo
Today · 4.125%
HK$66,373
baseline
▲ 0.50% · 4.625%
HK$70,411
+HK$4,038/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,746/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,482
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,345
−HK$1,891/mo
Today · 4.125%
HK$73,236
baseline
▲ 0.50% · 4.625%
HK$77,096
+HK$3,860/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,472/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,947
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,279
−HK$2,368/mo
Today · 4.125%
HK$79,647
baseline
▲ 0.50% · 4.625%
HK$84,494
+HK$4,847/mo
Deposit HK$10.96M · loan HK$16.43M · min. income ≈ HK$159,294/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,378
−HK$4,505/mo
▼ 0.25% · 3.875%
HK$85,614
−HK$2,269/mo
Today · 4.125%
HK$87,883
baseline
▲ 0.50% · 4.625%
HK$92,515
+HK$4,632/mo
Deposit HK$10.96M · loan HK$16.43M · min. income ≈ HK$175,766/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,439
−HK$5,483/mo
▼ 0.25% · 3.875%
HK$90,159
−HK$2,763/mo
Today · 4.125%
HK$92,922
baseline
▲ 0.50% · 4.625%
HK$98,576
+HK$5,654/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$185,844/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,275
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$99,884
−HK$2,646/mo
Today · 4.125%
HK$102,530
baseline
▲ 0.50% · 4.625%
HK$107,935
+HK$5,405/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$205,060/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,421
−HK$7,050/mo
▼ 0.25% · 3.875%
HK$115,918
−HK$3,553/mo
Today · 4.125%
HK$119,471
baseline
▲ 0.50% · 4.625%
HK$126,741
+HK$7,270/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$238,942/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,067
−HK$6,758/mo
▼ 0.25% · 3.875%
HK$128,422
−HK$3,403/mo
Today · 4.125%
HK$131,825
baseline
▲ 0.50% · 4.625%
HK$138,773
+HK$6,948/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$263,650/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,076 · Scale 2, in force from 26 Feb 2026)