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$62,264
−HK$3,905/mo
▼ 0.25% · 3.875%
HK$64,201
−HK$1,968/mo
Today · 4.125%
HK$66,169
baseline
▲ 0.50% · 4.625%
HK$70,195
+HK$4,026/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$132,338/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,268
−HK$3,743/mo
▼ 0.25% · 3.875%
HK$71,126
−HK$1,885/mo
Today · 4.125%
HK$73,011
baseline
▲ 0.50% · 4.625%
HK$76,859
+HK$3,848/mo
Deposit HK$13.65M · loan HK$13.65M · min. income ≈ HK$146,022/mo (50% DSR)
Upfront cash ≈ HK$14.81M (deposit + AVD stamp duty HK$1,160,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,717
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$77,041
−HK$2,362/mo
Today · 4.125%
HK$79,403
baseline
▲ 0.50% · 4.625%
HK$84,234
+HK$4,831/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$158,806/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,122
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,351
−HK$2,262/mo
Today · 4.125%
HK$87,613
baseline
▲ 0.50% · 4.625%
HK$92,231
+HK$4,618/mo
Deposit HK$10.92M · loan HK$16.38M · min. income ≈ HK$175,226/mo (50% DSR)
Upfront cash ≈ HK$12.08M (deposit + AVD stamp duty HK$1,160,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,170
−HK$5,466/mo
▼ 0.25% · 3.875%
HK$89,881
−HK$2,755/mo
Today · 4.125%
HK$92,636
baseline
▲ 0.50% · 4.625%
HK$98,273
+HK$5,637/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$185,272/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,976
−HK$5,239/mo
▼ 0.25% · 3.875%
HK$99,577
−HK$2,638/mo
Today · 4.125%
HK$102,215
baseline
▲ 0.50% · 4.625%
HK$107,603
+HK$5,388/mo
Deposit HK$8.19M · loan HK$19.11M · min. income ≈ HK$204,430/mo (50% DSR)
Upfront cash ≈ HK$9.35M (deposit + AVD stamp duty HK$1,160,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,076
−HK$7,028/mo
▼ 0.25% · 3.875%
HK$115,562
−HK$3,542/mo
Today · 4.125%
HK$119,104
baseline
▲ 0.50% · 4.625%
HK$126,351
+HK$7,247/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$238,208/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,683
−HK$6,736/mo
▼ 0.25% · 3.875%
HK$128,027
−HK$3,392/mo
Today · 4.125%
HK$131,419
baseline
▲ 0.50% · 4.625%
HK$138,347
+HK$6,928/mo
Deposit HK$2.73M · loan HK$24.58M · min. income ≈ HK$262,838/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,160,497 · Scale 2, in force from 26 Feb 2026)