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$62,391
−HK$3,913/mo
▼ 0.25% · 3.875%
HK$64,332
−HK$1,972/mo
Today · 4.125%
HK$66,304
baseline
▲ 0.50% · 4.625%
HK$70,338
+HK$4,034/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,608/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,410
−HK$3,750/mo
▼ 0.25% · 3.875%
HK$71,271
−HK$1,889/mo
Today · 4.125%
HK$73,160
baseline
▲ 0.50% · 4.625%
HK$77,016
+HK$3,856/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,320/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,870
−HK$4,695/mo
▼ 0.25% · 3.875%
HK$77,199
−HK$2,366/mo
Today · 4.125%
HK$79,565
baseline
▲ 0.50% · 4.625%
HK$84,406
+HK$4,841/mo
Deposit HK$10.94M · loan HK$16.42M · min. income ≈ HK$159,130/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,292
−HK$4,500/mo
▼ 0.25% · 3.875%
HK$85,526
−HK$2,266/mo
Today · 4.125%
HK$87,792
baseline
▲ 0.50% · 4.625%
HK$92,419
+HK$4,627/mo
Deposit HK$10.94M · loan HK$16.42M · min. income ≈ HK$175,584/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,348
−HK$5,478/mo
▼ 0.25% · 3.875%
HK$90,065
−HK$2,761/mo
Today · 4.125%
HK$92,826
baseline
▲ 0.50% · 4.625%
HK$98,474
+HK$5,648/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,652/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,174
−HK$5,250/mo
▼ 0.25% · 3.875%
HK$99,780
−HK$2,644/mo
Today · 4.125%
HK$102,424
baseline
▲ 0.50% · 4.625%
HK$107,823
+HK$5,399/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,848/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,305
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$115,798
−HK$3,549/mo
Today · 4.125%
HK$119,347
baseline
▲ 0.50% · 4.625%
HK$126,609
+HK$7,262/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$238,694/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,938
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$128,288
−HK$3,400/mo
Today · 4.125%
HK$131,688
baseline
▲ 0.50% · 4.625%
HK$138,629
+HK$6,941/mo
Deposit HK$2.74M · loan HK$24.63M · min. income ≈ HK$263,376/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,868 · Scale 2, in force from 26 Feb 2026)