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$62,416
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,358
−HK$1,972/mo
Today · 4.125%
HK$66,330
baseline
▲ 0.50% · 4.625%
HK$70,366
+HK$4,036/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,660/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,438
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,300
−HK$1,889/mo
Today · 4.125%
HK$73,189
baseline
▲ 0.50% · 4.625%
HK$77,047
+HK$3,858/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,378/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,900
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,229
−HK$2,367/mo
Today · 4.125%
HK$79,596
baseline
▲ 0.50% · 4.625%
HK$84,440
+HK$4,844/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$159,192/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,325
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,560
−HK$2,267/mo
Today · 4.125%
HK$87,827
baseline
▲ 0.50% · 4.625%
HK$92,456
+HK$4,629/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$175,654/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,383
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,101
−HK$2,761/mo
Today · 4.125%
HK$92,862
baseline
▲ 0.50% · 4.625%
HK$98,513
+HK$5,651/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$185,724/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,213
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,820
−HK$2,645/mo
Today · 4.125%
HK$102,465
baseline
▲ 0.50% · 4.625%
HK$107,866
+HK$5,401/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$204,930/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,349
−HK$7,046/mo
▼ 0.25% · 3.875%
HK$115,844
−HK$3,551/mo
Today · 4.125%
HK$119,395
baseline
▲ 0.50% · 4.625%
HK$126,660
+HK$7,265/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$238,790/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,988
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$128,340
−HK$3,400/mo
Today · 4.125%
HK$131,740
baseline
▲ 0.50% · 4.625%
HK$138,684
+HK$6,944/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$263,480/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,331 · Scale 2, in force from 26 Feb 2026)