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$62,278
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,215
−HK$1,968/mo
Today · 4.125%
HK$66,183
baseline
▲ 0.50% · 4.625%
HK$70,210
+HK$4,027/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$132,366/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,284
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,142
−HK$1,885/mo
Today · 4.125%
HK$73,027
baseline
▲ 0.50% · 4.625%
HK$76,876
+HK$3,849/mo
Deposit HK$13.66M · loan HK$13.66M · min. income ≈ HK$146,054/mo (50% DSR)
Upfront cash ≈ HK$14.82M (deposit + AVD stamp duty HK$1,160,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,734
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,058
−HK$2,362/mo
Today · 4.125%
HK$79,420
baseline
▲ 0.50% · 4.625%
HK$84,253
+HK$4,833/mo
Deposit HK$10.92M · loan HK$16.39M · min. income ≈ HK$158,840/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,160,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,140
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,370
−HK$2,262/mo
Today · 4.125%
HK$87,632
baseline
▲ 0.50% · 4.625%
HK$92,251
+HK$4,619/mo
Deposit HK$10.92M · loan HK$16.39M · min. income ≈ HK$175,264/mo (50% DSR)
Upfront cash ≈ HK$12.09M (deposit + AVD stamp duty HK$1,160,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,189
−HK$5,468/mo
▼ 0.25% · 3.875%
HK$89,901
−HK$2,756/mo
Today · 4.125%
HK$92,657
baseline
▲ 0.50% · 4.625%
HK$98,295
+HK$5,638/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$185,314/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,997
−HK$5,241/mo
▼ 0.25% · 3.875%
HK$99,599
−HK$2,639/mo
Today · 4.125%
HK$102,238
baseline
▲ 0.50% · 4.625%
HK$107,627
+HK$5,389/mo
Deposit HK$8.19M · loan HK$19.12M · min. income ≈ HK$204,476/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,100
−HK$7,030/mo
▼ 0.25% · 3.875%
HK$115,587
−HK$3,543/mo
Today · 4.125%
HK$119,130
baseline
▲ 0.50% · 4.625%
HK$126,379
+HK$7,249/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$238,260/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,711
−HK$6,737/mo
▼ 0.25% · 3.875%
HK$128,055
−HK$3,393/mo
Today · 4.125%
HK$131,448
baseline
▲ 0.50% · 4.625%
HK$138,377
+HK$6,929/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$262,896/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,754 · Scale 2, in force from 26 Feb 2026)