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$62,555
−HK$3,922/mo
▼ 0.25% · 3.875%
HK$64,500
−HK$1,977/mo
Today · 4.125%
HK$66,477
baseline
▲ 0.50% · 4.625%
HK$70,522
+HK$4,045/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$132,954/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,591
−HK$3,760/mo
▼ 0.25% · 3.875%
HK$71,458
−HK$1,893/mo
Today · 4.125%
HK$73,351
baseline
▲ 0.50% · 4.625%
HK$77,218
+HK$3,867/mo
Deposit HK$13.72M · loan HK$13.72M · min. income ≈ HK$146,702/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,066
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,401
−HK$2,372/mo
Today · 4.125%
HK$79,773
baseline
▲ 0.50% · 4.625%
HK$84,627
+HK$4,854/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$159,546/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,510
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,749
−HK$2,272/mo
Today · 4.125%
HK$88,021
baseline
▲ 0.50% · 4.625%
HK$92,661
+HK$4,640/mo
Deposit HK$10.97M · loan HK$16.46M · min. income ≈ HK$176,042/mo (50% DSR)
Upfront cash ≈ HK$12.14M (deposit + AVD stamp duty HK$1,165,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,576
−HK$5,492/mo
▼ 0.25% · 3.875%
HK$90,301
−HK$2,767/mo
Today · 4.125%
HK$93,068
baseline
▲ 0.50% · 4.625%
HK$98,731
+HK$5,663/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$186,136/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,165,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,428
−HK$5,264/mo
▼ 0.25% · 3.875%
HK$100,041
−HK$2,651/mo
Today · 4.125%
HK$102,692
baseline
▲ 0.50% · 4.625%
HK$108,105
+HK$5,413/mo
Deposit HK$8.23M · loan HK$19.20M · min. income ≈ HK$205,384/mo (50% DSR)
Upfront cash ≈ HK$9.40M (deposit + AVD stamp duty HK$1,165,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,598
−HK$7,061/mo
▼ 0.25% · 3.875%
HK$116,101
−HK$3,558/mo
Today · 4.125%
HK$119,659
baseline
▲ 0.50% · 4.625%
HK$126,940
+HK$7,281/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$239,318/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,264
−HK$6,768/mo
▼ 0.25% · 3.875%
HK$128,624
−HK$3,408/mo
Today · 4.125%
HK$132,032
baseline
▲ 0.50% · 4.625%
HK$138,992
+HK$6,960/mo
Deposit HK$2.74M · loan HK$24.69M · min. income ≈ HK$264,064/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,909 · Scale 2, in force from 26 Feb 2026)