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$62,178
−HK$3,899/mo
▼ 0.25% · 3.875%
HK$64,112
−HK$1,965/mo
Today · 4.125%
HK$66,077
baseline
▲ 0.50% · 4.625%
HK$70,098
+HK$4,021/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$132,154/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,173
−HK$3,737/mo
▼ 0.25% · 3.875%
HK$71,028
−HK$1,882/mo
Today · 4.125%
HK$72,910
baseline
▲ 0.50% · 4.625%
HK$76,753
+HK$3,843/mo
Deposit HK$13.63M · loan HK$13.63M · min. income ≈ HK$145,820/mo (50% DSR)
Upfront cash ≈ HK$14.79M (deposit + AVD stamp duty HK$1,158,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,614
−HK$4,679/mo
▼ 0.25% · 3.875%
HK$76,935
−HK$2,358/mo
Today · 4.125%
HK$79,293
baseline
▲ 0.50% · 4.625%
HK$84,118
+HK$4,825/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$158,586/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,158,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,007
−HK$4,485/mo
▼ 0.25% · 3.875%
HK$85,233
−HK$2,259/mo
Today · 4.125%
HK$87,492
baseline
▲ 0.50% · 4.625%
HK$92,104
+HK$4,612/mo
Deposit HK$10.91M · loan HK$16.36M · min. income ≈ HK$174,984/mo (50% DSR)
Upfront cash ≈ HK$12.07M (deposit + AVD stamp duty HK$1,158,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,050
−HK$5,458/mo
▼ 0.25% · 3.875%
HK$89,757
−HK$2,751/mo
Today · 4.125%
HK$92,508
baseline
▲ 0.50% · 4.625%
HK$98,137
+HK$5,629/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$185,016/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,842
−HK$5,232/mo
▼ 0.25% · 3.875%
HK$99,439
−HK$2,635/mo
Today · 4.125%
HK$102,074
baseline
▲ 0.50% · 4.625%
HK$107,454
+HK$5,380/mo
Deposit HK$8.18M · loan HK$19.09M · min. income ≈ HK$204,148/mo (50% DSR)
Upfront cash ≈ HK$9.34M (deposit + AVD stamp duty HK$1,158,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,921
−HK$7,018/mo
▼ 0.25% · 3.875%
HK$115,402
−HK$3,537/mo
Today · 4.125%
HK$118,939
baseline
▲ 0.50% · 4.625%
HK$126,176
+HK$7,237/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$237,878/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,511
−HK$6,727/mo
▼ 0.25% · 3.875%
HK$127,850
−HK$3,388/mo
Today · 4.125%
HK$131,238
baseline
▲ 0.50% · 4.625%
HK$138,155
+HK$6,917/mo
Deposit HK$2.73M · loan HK$24.54M · min. income ≈ HK$262,476/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$1,158,894 · Scale 2, in force from 26 Feb 2026)