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$62,190
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,125
−HK$1,965/mo
Today · 4.125%
HK$66,090
baseline
▲ 0.50% · 4.625%
HK$70,112
+HK$4,022/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,180/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,186
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,042
−HK$1,882/mo
Today · 4.125%
HK$72,924
baseline
▲ 0.50% · 4.625%
HK$76,768
+HK$3,844/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,848/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,628
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,950
−HK$2,358/mo
Today · 4.125%
HK$79,308
baseline
▲ 0.50% · 4.625%
HK$84,134
+HK$4,826/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$158,616/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,023
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$85,250
−HK$2,259/mo
Today · 4.125%
HK$87,509
baseline
▲ 0.50% · 4.625%
HK$92,121
+HK$4,612/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$175,018/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,066
−HK$5,460/mo
▼ 0.25% · 3.875%
HK$89,775
−HK$2,751/mo
Today · 4.125%
HK$92,526
baseline
▲ 0.50% · 4.625%
HK$98,156
+HK$5,630/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,052/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,860
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,458
−HK$2,635/mo
Today · 4.125%
HK$102,093
baseline
▲ 0.50% · 4.625%
HK$107,475
+HK$5,382/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,186/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,942
−HK$7,020/mo
▼ 0.25% · 3.875%
HK$115,424
−HK$3,538/mo
Today · 4.125%
HK$118,962
baseline
▲ 0.50% · 4.625%
HK$126,201
+HK$7,239/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$237,924/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,535
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$127,875
−HK$3,388/mo
Today · 4.125%
HK$131,263
baseline
▲ 0.50% · 4.625%
HK$138,182
+HK$6,919/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$262,526/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,117 · Scale 2, in force from 26 Feb 2026)