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$62,197
−HK$3,901/mo
▼ 0.25% · 3.875%
HK$64,132
−HK$1,966/mo
Today · 4.125%
HK$66,098
baseline
▲ 0.50% · 4.625%
HK$70,119
+HK$4,021/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$132,196/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,194
−HK$3,738/mo
▼ 0.25% · 3.875%
HK$71,050
−HK$1,882/mo
Today · 4.125%
HK$72,932
baseline
▲ 0.50% · 4.625%
HK$76,776
+HK$3,844/mo
Deposit HK$13.64M · loan HK$13.64M · min. income ≈ HK$145,864/mo (50% DSR)
Upfront cash ≈ HK$14.80M (deposit + AVD stamp duty HK$1,159,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,637
−HK$4,680/mo
▼ 0.25% · 3.875%
HK$76,958
−HK$2,359/mo
Today · 4.125%
HK$79,317
baseline
▲ 0.50% · 4.625%
HK$84,143
+HK$4,826/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$158,634/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,033
−HK$4,486/mo
▼ 0.25% · 3.875%
HK$85,259
−HK$2,260/mo
Today · 4.125%
HK$87,519
baseline
▲ 0.50% · 4.625%
HK$92,132
+HK$4,613/mo
Deposit HK$10.91M · loan HK$16.37M · min. income ≈ HK$175,038/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,159,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,076
−HK$5,461/mo
▼ 0.25% · 3.875%
HK$89,785
−HK$2,752/mo
Today · 4.125%
HK$92,537
baseline
▲ 0.50% · 4.625%
HK$98,167
+HK$5,630/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,074/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,871
−HK$5,234/mo
▼ 0.25% · 3.875%
HK$99,469
−HK$2,636/mo
Today · 4.125%
HK$102,105
baseline
▲ 0.50% · 4.625%
HK$107,487
+HK$5,382/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,210/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,159,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,955
−HK$7,021/mo
▼ 0.25% · 3.875%
HK$115,437
−HK$3,539/mo
Today · 4.125%
HK$118,976
baseline
▲ 0.50% · 4.625%
HK$126,215
+HK$7,239/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$237,952/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,549
−HK$6,729/mo
▼ 0.25% · 3.875%
HK$127,889
−HK$3,389/mo
Today · 4.125%
HK$131,278
baseline
▲ 0.50% · 4.625%
HK$138,198
+HK$6,920/mo
Deposit HK$2.73M · loan HK$24.55M · min. income ≈ HK$262,556/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,159,249 · Scale 2, in force from 26 Feb 2026)