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$62,202
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,136
−HK$1,966/mo
Today · 4.125%
HK$66,102
baseline
▲ 0.50% · 4.625%
HK$70,124
+HK$4,022/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,204/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,199
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,055
−HK$1,882/mo
Today · 4.125%
HK$72,937
baseline
▲ 0.50% · 4.625%
HK$76,782
+HK$3,845/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,874/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,642
−HK$4,681/mo
▼ 0.25% · 3.875%
HK$76,964
−HK$2,359/mo
Today · 4.125%
HK$79,323
baseline
▲ 0.50% · 4.625%
HK$84,149
+HK$4,826/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$158,646/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,038
−HK$4,487/mo
▼ 0.25% · 3.875%
HK$85,265
−HK$2,260/mo
Today · 4.125%
HK$87,525
baseline
▲ 0.50% · 4.625%
HK$92,138
+HK$4,613/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$175,050/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,082
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,791
−HK$2,752/mo
Today · 4.125%
HK$92,543
baseline
▲ 0.50% · 4.625%
HK$98,174
+HK$5,631/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,086/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,878
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,476
−HK$2,636/mo
Today · 4.125%
HK$102,112
baseline
▲ 0.50% · 4.625%
HK$107,495
+HK$5,383/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,224/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,963
−HK$7,021/mo
▼ 0.25% · 3.875%
HK$115,446
−HK$3,538/mo
Today · 4.125%
HK$118,984
baseline
▲ 0.50% · 4.625%
HK$126,224
+HK$7,240/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$237,968/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,558
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$127,898
−HK$3,389/mo
Today · 4.125%
HK$131,287
baseline
▲ 0.50% · 4.625%
HK$138,207
+HK$6,920/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$262,574/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,330 · Scale 2, in force from 26 Feb 2026)