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$62,236
−HK$3,903/mo
▼ 0.25% · 3.875%
HK$64,172
−HK$1,967/mo
Today · 4.125%
HK$66,139
baseline
▲ 0.50% · 4.625%
HK$70,163
+HK$4,024/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,278/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,159,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,237
−HK$3,741/mo
▼ 0.25% · 3.875%
HK$71,094
−HK$1,884/mo
Today · 4.125%
HK$72,978
baseline
▲ 0.50% · 4.625%
HK$76,825
+HK$3,847/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$145,956/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,159,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,684
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$77,007
−HK$2,360/mo
Today · 4.125%
HK$79,367
baseline
▲ 0.50% · 4.625%
HK$84,196
+HK$4,829/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,734/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,085
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,313
−HK$2,261/mo
Today · 4.125%
HK$87,574
baseline
▲ 0.50% · 4.625%
HK$92,190
+HK$4,616/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,148/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,159,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,131
−HK$5,464/mo
▼ 0.25% · 3.875%
HK$89,841
−HK$2,754/mo
Today · 4.125%
HK$92,595
baseline
▲ 0.50% · 4.625%
HK$98,229
+HK$5,634/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,190/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,932
−HK$5,237/mo
▼ 0.25% · 3.875%
HK$99,532
−HK$2,637/mo
Today · 4.125%
HK$102,169
baseline
▲ 0.50% · 4.625%
HK$107,555
+HK$5,386/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,338/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,159,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,025
−HK$7,025/mo
▼ 0.25% · 3.875%
HK$115,510
−HK$3,540/mo
Today · 4.125%
HK$119,050
baseline
▲ 0.50% · 4.625%
HK$126,294
+HK$7,244/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$238,100/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,627
−HK$6,733/mo
▼ 0.25% · 3.875%
HK$127,970
−HK$3,390/mo
Today · 4.125%
HK$131,360
baseline
▲ 0.50% · 4.625%
HK$138,284
+HK$6,924/mo
Deposit HK$2.73M · loan HK$24.56M · min. income ≈ HK$262,720/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,977 · Scale 2, in force from 26 Feb 2026)