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$62,369
−HK$3,911/mo
▼ 0.25% · 3.875%
HK$64,309
−HK$1,971/mo
Today · 4.125%
HK$66,280
baseline
▲ 0.50% · 4.625%
HK$70,313
+HK$4,033/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,560/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,385
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,246
−HK$1,888/mo
Today · 4.125%
HK$73,134
baseline
▲ 0.50% · 4.625%
HK$76,989
+HK$3,855/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,268/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,843
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,171
−HK$2,365/mo
Today · 4.125%
HK$79,536
baseline
▲ 0.50% · 4.625%
HK$84,376
+HK$4,840/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,072/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,262
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,495
−HK$2,266/mo
Today · 4.125%
HK$87,761
baseline
▲ 0.50% · 4.625%
HK$92,387
+HK$4,626/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,522/mo (50% DSR)
Upfront cash ≈ HK$12.10M (deposit + AVD stamp duty HK$1,162,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,317
−HK$5,475/mo
▼ 0.25% · 3.875%
HK$90,033
−HK$2,759/mo
Today · 4.125%
HK$92,792
baseline
▲ 0.50% · 4.625%
HK$98,439
+HK$5,647/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,584/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,139
−HK$5,248/mo
▼ 0.25% · 3.875%
HK$99,744
−HK$2,643/mo
Today · 4.125%
HK$102,387
baseline
▲ 0.50% · 4.625%
HK$107,784
+HK$5,397/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,774/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,265
−HK$7,040/mo
▼ 0.25% · 3.875%
HK$115,757
−HK$3,548/mo
Today · 4.125%
HK$119,305
baseline
▲ 0.50% · 4.625%
HK$126,564
+HK$7,259/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,610/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,893
−HK$6,748/mo
▼ 0.25% · 3.875%
HK$128,243
−HK$3,398/mo
Today · 4.125%
HK$131,641
baseline
▲ 0.50% · 4.625%
HK$138,580
+HK$6,939/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,282/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,454 · Scale 2, in force from 26 Feb 2026)