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$62,120
−HK$3,896/mo
▼ 0.25% · 3.875%
HK$64,053
−HK$1,963/mo
Today · 4.125%
HK$66,016
baseline
▲ 0.50% · 4.625%
HK$70,033
+HK$4,017/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$132,032/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,108
−HK$3,734/mo
▼ 0.25% · 3.875%
HK$70,962
−HK$1,880/mo
Today · 4.125%
HK$72,842
baseline
▲ 0.50% · 4.625%
HK$76,682
+HK$3,840/mo
Deposit HK$13.62M · loan HK$13.62M · min. income ≈ HK$145,684/mo (50% DSR)
Upfront cash ≈ HK$14.78M (deposit + AVD stamp duty HK$1,157,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,544
−HK$4,675/mo
▼ 0.25% · 3.875%
HK$76,863
−HK$2,356/mo
Today · 4.125%
HK$79,219
baseline
▲ 0.50% · 4.625%
HK$84,039
+HK$4,820/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$158,438/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,930
−HK$4,480/mo
▼ 0.25% · 3.875%
HK$85,154
−HK$2,256/mo
Today · 4.125%
HK$87,410
baseline
▲ 0.50% · 4.625%
HK$92,018
+HK$4,608/mo
Deposit HK$10.90M · loan HK$16.35M · min. income ≈ HK$174,820/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,968
−HK$5,454/mo
▼ 0.25% · 3.875%
HK$89,674
−HK$2,748/mo
Today · 4.125%
HK$92,422
baseline
▲ 0.50% · 4.625%
HK$98,046
+HK$5,624/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$184,844/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,752
−HK$5,227/mo
▼ 0.25% · 3.875%
HK$99,346
−HK$2,633/mo
Today · 4.125%
HK$101,979
baseline
▲ 0.50% · 4.625%
HK$107,354
+HK$5,375/mo
Deposit HK$8.17M · loan HK$19.07M · min. income ≈ HK$203,958/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,817
−HK$7,012/mo
▼ 0.25% · 3.875%
HK$115,295
−HK$3,534/mo
Today · 4.125%
HK$118,829
baseline
▲ 0.50% · 4.625%
HK$126,059
+HK$7,230/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$237,658/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,395
−HK$6,721/mo
▼ 0.25% · 3.875%
HK$127,731
−HK$3,385/mo
Today · 4.125%
HK$131,116
baseline
▲ 0.50% · 4.625%
HK$138,027
+HK$6,911/mo
Deposit HK$2.72M · loan HK$24.52M · min. income ≈ HK$262,232/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,815 · Scale 2, in force from 26 Feb 2026)