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$62,122
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,054
−HK$1,964/mo
Today · 4.125%
HK$66,018
baseline
▲ 0.50% · 4.625%
HK$70,035
+HK$4,017/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,036/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,110
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,964
−HK$1,880/mo
Today · 4.125%
HK$72,844
baseline
▲ 0.50% · 4.625%
HK$76,684
+HK$3,840/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,688/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,547
−HK$4,674/mo
▼ 0.25% · 3.875%
HK$76,865
−HK$2,356/mo
Today · 4.125%
HK$79,221
baseline
▲ 0.50% · 4.625%
HK$84,042
+HK$4,821/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,442/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,157,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,932
−HK$4,481/mo
▼ 0.25% · 3.875%
HK$85,156
−HK$2,257/mo
Today · 4.125%
HK$87,413
baseline
▲ 0.50% · 4.625%
HK$92,020
+HK$4,607/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,826/mo (50% DSR)
Upfront cash ≈ HK$12.06M (deposit + AVD stamp duty HK$1,157,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,971
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,676
−HK$2,749/mo
Today · 4.125%
HK$92,425
baseline
▲ 0.50% · 4.625%
HK$98,049
+HK$5,624/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,850/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,754
−HK$5,228/mo
▼ 0.25% · 3.875%
HK$99,349
−HK$2,633/mo
Today · 4.125%
HK$101,982
baseline
▲ 0.50% · 4.625%
HK$107,357
+HK$5,375/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,964/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,820
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$115,298
−HK$3,534/mo
Today · 4.125%
HK$118,832
baseline
▲ 0.50% · 4.625%
HK$126,063
+HK$7,231/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$237,664/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,398
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$127,735
−HK$3,384/mo
Today · 4.125%
HK$131,119
baseline
▲ 0.50% · 4.625%
HK$138,031
+HK$6,912/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$262,238/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,848 · Scale 2, in force from 26 Feb 2026)