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$62,447
−HK$3,916/mo
▼ 0.25% · 3.875%
HK$64,389
−HK$1,974/mo
Today · 4.125%
HK$66,363
baseline
▲ 0.50% · 4.625%
HK$70,401
+HK$4,038/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,726/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,163,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,471
−HK$3,754/mo
▼ 0.25% · 3.875%
HK$71,335
−HK$1,890/mo
Today · 4.125%
HK$73,225
baseline
▲ 0.50% · 4.625%
HK$77,085
+HK$3,860/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,450/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,163,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,936
−HK$4,699/mo
▼ 0.25% · 3.875%
HK$77,267
−HK$2,368/mo
Today · 4.125%
HK$79,635
baseline
▲ 0.50% · 4.625%
HK$84,481
+HK$4,846/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$159,270/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,366
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,602
−HK$2,268/mo
Today · 4.125%
HK$87,870
baseline
▲ 0.50% · 4.625%
HK$92,502
+HK$4,632/mo
Deposit HK$10.95M · loan HK$16.43M · min. income ≈ HK$175,740/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,163,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,426
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$90,145
−HK$2,763/mo
Today · 4.125%
HK$92,908
baseline
▲ 0.50% · 4.625%
HK$98,561
+HK$5,653/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$185,816/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,260
−HK$5,255/mo
▼ 0.25% · 3.875%
HK$99,869
−HK$2,646/mo
Today · 4.125%
HK$102,515
baseline
▲ 0.50% · 4.625%
HK$107,918
+HK$5,403/mo
Deposit HK$8.22M · loan HK$19.17M · min. income ≈ HK$205,030/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,404
−HK$7,049/mo
▼ 0.25% · 3.875%
HK$115,901
−HK$3,552/mo
Today · 4.125%
HK$119,453
baseline
▲ 0.50% · 4.625%
HK$126,722
+HK$7,269/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$238,906/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,049
−HK$6,756/mo
▼ 0.25% · 3.875%
HK$128,402
−HK$3,403/mo
Today · 4.125%
HK$131,805
baseline
▲ 0.50% · 4.625%
HK$138,752
+HK$6,947/mo
Deposit HK$2.74M · loan HK$24.65M · min. income ≈ HK$263,610/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,901 · Scale 2, in force from 26 Feb 2026)