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$62,475
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,419
−HK$1,974/mo
Today · 4.125%
HK$66,393
baseline
▲ 0.50% · 4.625%
HK$70,433
+HK$4,040/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,786/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,503
−HK$3,755/mo
▼ 0.25% · 3.875%
HK$71,367
−HK$1,891/mo
Today · 4.125%
HK$73,258
baseline
▲ 0.50% · 4.625%
HK$77,120
+HK$3,862/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,516/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,970
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,302
−HK$2,370/mo
Today · 4.125%
HK$79,672
baseline
▲ 0.50% · 4.625%
HK$84,520
+HK$4,848/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,344/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,404
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,641
−HK$2,269/mo
Today · 4.125%
HK$87,910
baseline
▲ 0.50% · 4.625%
HK$92,544
+HK$4,634/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,820/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,466
−HK$5,484/mo
▼ 0.25% · 3.875%
HK$90,186
−HK$2,764/mo
Today · 4.125%
HK$92,950
baseline
▲ 0.50% · 4.625%
HK$98,606
+HK$5,656/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$185,900/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,305
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$99,914
−HK$2,648/mo
Today · 4.125%
HK$102,562
baseline
▲ 0.50% · 4.625%
HK$107,968
+HK$5,406/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$205,124/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,456
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$115,954
−HK$3,554/mo
Today · 4.125%
HK$119,508
baseline
▲ 0.50% · 4.625%
HK$126,779
+HK$7,271/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$239,016/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,106
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$128,461
−HK$3,404/mo
Today · 4.125%
HK$131,865
baseline
▲ 0.50% · 4.625%
HK$138,816
+HK$6,951/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$263,730/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,433 · Scale 2, in force from 26 Feb 2026)