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$62,408
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,349
−HK$1,973/mo
Today · 4.125%
HK$66,322
baseline
▲ 0.50% · 4.625%
HK$70,357
+HK$4,035/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,644/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,428
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,290
−HK$1,889/mo
Today · 4.125%
HK$73,179
baseline
▲ 0.50% · 4.625%
HK$77,037
+HK$3,858/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,358/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,890
−HK$4,696/mo
▼ 0.25% · 3.875%
HK$77,219
−HK$2,367/mo
Today · 4.125%
HK$79,586
baseline
▲ 0.50% · 4.625%
HK$84,429
+HK$4,843/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$159,172/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,314
−HK$4,501/mo
▼ 0.25% · 3.875%
HK$85,549
−HK$2,266/mo
Today · 4.125%
HK$87,815
baseline
▲ 0.50% · 4.625%
HK$92,444
+HK$4,629/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$175,630/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,371
−HK$5,479/mo
▼ 0.25% · 3.875%
HK$90,089
−HK$2,761/mo
Today · 4.125%
HK$92,850
baseline
▲ 0.50% · 4.625%
HK$98,500
+HK$5,650/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$185,700/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,163,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,200
−HK$5,251/mo
▼ 0.25% · 3.875%
HK$99,807
−HK$2,644/mo
Today · 4.125%
HK$102,451
baseline
▲ 0.50% · 4.625%
HK$107,851
+HK$5,400/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$204,902/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,163,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,335
−HK$7,044/mo
▼ 0.25% · 3.875%
HK$115,829
−HK$3,550/mo
Today · 4.125%
HK$119,379
baseline
▲ 0.50% · 4.625%
HK$126,643
+HK$7,264/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$238,758/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,971
−HK$6,752/mo
▼ 0.25% · 3.875%
HK$128,323
−HK$3,400/mo
Today · 4.125%
HK$131,723
baseline
▲ 0.50% · 4.625%
HK$138,666
+HK$6,943/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$263,446/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,179 · Scale 2, in force from 26 Feb 2026)