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$62,191
−HK$3,900/mo
▼ 0.25% · 3.875%
HK$64,126
−HK$1,965/mo
Today · 4.125%
HK$66,091
baseline
▲ 0.50% · 4.625%
HK$70,113
+HK$4,022/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,182/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,187
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,043
−HK$1,882/mo
Today · 4.125%
HK$72,925
baseline
▲ 0.50% · 4.625%
HK$76,769
+HK$3,844/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,850/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,629
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,951
−HK$2,358/mo
Today · 4.125%
HK$79,309
baseline
▲ 0.50% · 4.625%
HK$84,135
+HK$4,826/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$158,618/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,024
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$85,251
−HK$2,259/mo
Today · 4.125%
HK$87,510
baseline
▲ 0.50% · 4.625%
HK$92,123
+HK$4,613/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$175,020/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,068
−HK$5,459/mo
▼ 0.25% · 3.875%
HK$89,776
−HK$2,751/mo
Today · 4.125%
HK$92,527
baseline
▲ 0.50% · 4.625%
HK$98,158
+HK$5,631/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,054/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,862
−HK$5,233/mo
▼ 0.25% · 3.875%
HK$99,460
−HK$2,635/mo
Today · 4.125%
HK$102,095
baseline
▲ 0.50% · 4.625%
HK$107,476
+HK$5,381/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,190/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,944
−HK$7,020/mo
▼ 0.25% · 3.875%
HK$115,426
−HK$3,538/mo
Today · 4.125%
HK$118,964
baseline
▲ 0.50% · 4.625%
HK$126,203
+HK$7,239/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$237,928/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,537
−HK$6,728/mo
▼ 0.25% · 3.875%
HK$127,877
−HK$3,388/mo
Today · 4.125%
HK$131,265
baseline
▲ 0.50% · 4.625%
HK$138,184
+HK$6,919/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$262,530/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,134 · Scale 2, in force from 26 Feb 2026)