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$62,377
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,317
−HK$1,971/mo
Today · 4.125%
HK$66,288
baseline
▲ 0.50% · 4.625%
HK$70,322
+HK$4,034/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,576/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,394
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,255
−HK$1,888/mo
Today · 4.125%
HK$73,143
baseline
▲ 0.50% · 4.625%
HK$76,998
+HK$3,855/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,286/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,852
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,181
−HK$2,365/mo
Today · 4.125%
HK$79,546
baseline
▲ 0.50% · 4.625%
HK$84,386
+HK$4,840/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,092/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,272
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,506
−HK$2,265/mo
Today · 4.125%
HK$87,771
baseline
▲ 0.50% · 4.625%
HK$92,398
+HK$4,627/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,542/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,328
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,044
−HK$2,760/mo
Today · 4.125%
HK$92,804
baseline
▲ 0.50% · 4.625%
HK$98,451
+HK$5,647/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,608/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,151
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,757
−HK$2,643/mo
Today · 4.125%
HK$102,400
baseline
▲ 0.50% · 4.625%
HK$107,797
+HK$5,397/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,800/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,278
−HK$7,041/mo
▼ 0.25% · 3.875%
HK$115,771
−HK$3,548/mo
Today · 4.125%
HK$119,319
baseline
▲ 0.50% · 4.625%
HK$126,579
+HK$7,260/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,638/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,908
−HK$6,749/mo
▼ 0.25% · 3.875%
HK$128,258
−HK$3,399/mo
Today · 4.125%
HK$131,657
baseline
▲ 0.50% · 4.625%
HK$138,597
+HK$6,940/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,314/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,596 · Scale 2, in force from 26 Feb 2026)