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$62,383
−HK$3,912/mo
▼ 0.25% · 3.875%
HK$64,324
−HK$1,971/mo
Today · 4.125%
HK$66,295
baseline
▲ 0.50% · 4.625%
HK$70,329
+HK$4,034/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$132,590/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,401
−HK$3,749/mo
▼ 0.25% · 3.875%
HK$71,262
−HK$1,888/mo
Today · 4.125%
HK$73,150
baseline
▲ 0.50% · 4.625%
HK$77,006
+HK$3,856/mo
Deposit HK$13.68M · loan HK$13.68M · min. income ≈ HK$146,300/mo (50% DSR)
Upfront cash ≈ HK$14.84M (deposit + AVD stamp duty HK$1,162,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,860
−HK$4,694/mo
▼ 0.25% · 3.875%
HK$77,189
−HK$2,365/mo
Today · 4.125%
HK$79,554
baseline
▲ 0.50% · 4.625%
HK$84,395
+HK$4,841/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$159,108/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,281
−HK$4,499/mo
▼ 0.25% · 3.875%
HK$85,515
−HK$2,265/mo
Today · 4.125%
HK$87,780
baseline
▲ 0.50% · 4.625%
HK$92,407
+HK$4,627/mo
Deposit HK$10.94M · loan HK$16.41M · min. income ≈ HK$175,560/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,162,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,337
−HK$5,476/mo
▼ 0.25% · 3.875%
HK$90,053
−HK$2,760/mo
Today · 4.125%
HK$92,813
baseline
▲ 0.50% · 4.625%
HK$98,461
+HK$5,648/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$185,626/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,161
−HK$5,249/mo
▼ 0.25% · 3.875%
HK$99,767
−HK$2,643/mo
Today · 4.125%
HK$102,410
baseline
▲ 0.50% · 4.625%
HK$107,809
+HK$5,399/mo
Deposit HK$8.21M · loan HK$19.15M · min. income ≈ HK$204,820/mo (50% DSR)
Upfront cash ≈ HK$9.37M (deposit + AVD stamp duty HK$1,162,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,290
−HK$7,042/mo
▼ 0.25% · 3.875%
HK$115,783
−HK$3,549/mo
Today · 4.125%
HK$119,332
baseline
▲ 0.50% · 4.625%
HK$126,593
+HK$7,261/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$238,664/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,921
−HK$6,750/mo
▼ 0.25% · 3.875%
HK$128,272
−HK$3,399/mo
Today · 4.125%
HK$131,671
baseline
▲ 0.50% · 4.625%
HK$138,611
+HK$6,940/mo
Deposit HK$2.74M · loan HK$24.62M · min. income ≈ HK$263,342/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,162,716 · Scale 2, in force from 26 Feb 2026)