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$62,524
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,469
−HK$1,976/mo
Today · 4.125%
HK$66,445
baseline
▲ 0.50% · 4.625%
HK$70,488
+HK$4,043/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,890/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,558
−HK$3,758/mo
▼ 0.25% · 3.875%
HK$71,423
−HK$1,893/mo
Today · 4.125%
HK$73,316
baseline
▲ 0.50% · 4.625%
HK$77,180
+HK$3,864/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,632/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,029
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,363
−HK$2,371/mo
Today · 4.125%
HK$79,734
baseline
▲ 0.50% · 4.625%
HK$84,586
+HK$4,852/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$159,468/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,469
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,708
−HK$2,271/mo
Today · 4.125%
HK$87,979
baseline
▲ 0.50% · 4.625%
HK$92,616
+HK$4,637/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$175,958/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,534
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,257
−HK$2,766/mo
Today · 4.125%
HK$93,023
baseline
▲ 0.50% · 4.625%
HK$98,684
+HK$5,661/mo
Deposit HK$8.23M · loan HK$19.19M · min. income ≈ HK$186,046/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,381
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,993
−HK$2,649/mo
Today · 4.125%
HK$102,642
baseline
▲ 0.50% · 4.625%
HK$108,053
+HK$5,411/mo
Deposit HK$8.23M · loan HK$19.19M · min. income ≈ HK$205,284/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,544
−HK$7,058/mo
▼ 0.25% · 3.875%
HK$116,045
−HK$3,557/mo
Today · 4.125%
HK$119,602
baseline
▲ 0.50% · 4.625%
HK$126,879
+HK$7,277/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,204/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,204
−HK$6,764/mo
▼ 0.25% · 3.875%
HK$128,562
−HK$3,406/mo
Today · 4.125%
HK$131,968
baseline
▲ 0.50% · 4.625%
HK$138,925
+HK$6,957/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$263,936/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,347 · Scale 2, in force from 26 Feb 2026)