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$62,104
−HK$3,894/mo
▼ 0.25% · 3.875%
HK$64,035
−HK$1,963/mo
Today · 4.125%
HK$65,998
baseline
▲ 0.50% · 4.625%
HK$70,014
+HK$4,016/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$131,996/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,090
−HK$3,732/mo
▼ 0.25% · 3.875%
HK$70,943
−HK$1,879/mo
Today · 4.125%
HK$72,822
baseline
▲ 0.50% · 4.625%
HK$76,661
+HK$3,839/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,644/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,524
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,842
−HK$2,356/mo
Today · 4.125%
HK$79,198
baseline
▲ 0.50% · 4.625%
HK$84,017
+HK$4,819/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$158,396/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,908
−HK$4,479/mo
▼ 0.25% · 3.875%
HK$85,131
−HK$2,256/mo
Today · 4.125%
HK$87,387
baseline
▲ 0.50% · 4.625%
HK$91,993
+HK$4,606/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$174,774/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,945
−HK$5,452/mo
▼ 0.25% · 3.875%
HK$89,650
−HK$2,747/mo
Today · 4.125%
HK$92,397
baseline
▲ 0.50% · 4.625%
HK$98,019
+HK$5,622/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$184,794/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,725
−HK$5,226/mo
▼ 0.25% · 3.875%
HK$99,320
−HK$2,631/mo
Today · 4.125%
HK$101,951
baseline
▲ 0.50% · 4.625%
HK$107,325
+HK$5,374/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$203,902/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,786
−HK$7,010/mo
▼ 0.25% · 3.875%
HK$115,264
−HK$3,532/mo
Today · 4.125%
HK$118,796
baseline
▲ 0.50% · 4.625%
HK$126,025
+HK$7,229/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$237,592/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,361
−HK$6,719/mo
▼ 0.25% · 3.875%
HK$127,697
−HK$3,383/mo
Today · 4.125%
HK$131,080
baseline
▲ 0.50% · 4.625%
HK$137,990
+HK$6,910/mo
Deposit HK$2.72M · loan HK$24.51M · min. income ≈ HK$262,160/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,503 · Scale 2, in force from 26 Feb 2026)