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$62,477
−HK$3,918/mo
▼ 0.25% · 3.875%
HK$64,421
−HK$1,974/mo
Today · 4.125%
HK$66,395
baseline
▲ 0.50% · 4.625%
HK$70,435
+HK$4,040/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$132,790/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,505
−HK$3,756/mo
▼ 0.25% · 3.875%
HK$71,370
−HK$1,891/mo
Today · 4.125%
HK$73,261
baseline
▲ 0.50% · 4.625%
HK$77,122
+HK$3,861/mo
Deposit HK$13.70M · loan HK$13.70M · min. income ≈ HK$146,522/mo (50% DSR)
Upfront cash ≈ HK$14.86M (deposit + AVD stamp duty HK$1,164,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,973
−HK$4,701/mo
▼ 0.25% · 3.875%
HK$77,305
−HK$2,369/mo
Today · 4.125%
HK$79,674
baseline
▲ 0.50% · 4.625%
HK$84,522
+HK$4,848/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$159,348/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,407
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,643
−HK$2,270/mo
Today · 4.125%
HK$87,913
baseline
▲ 0.50% · 4.625%
HK$92,547
+HK$4,634/mo
Deposit HK$10.96M · loan HK$16.44M · min. income ≈ HK$175,826/mo (50% DSR)
Upfront cash ≈ HK$12.12M (deposit + AVD stamp duty HK$1,164,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,468
−HK$5,485/mo
▼ 0.25% · 3.875%
HK$90,189
−HK$2,764/mo
Today · 4.125%
HK$92,953
baseline
▲ 0.50% · 4.625%
HK$98,609
+HK$5,656/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$185,906/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,308
−HK$5,257/mo
▼ 0.25% · 3.875%
HK$99,917
−HK$2,648/mo
Today · 4.125%
HK$102,565
baseline
▲ 0.50% · 4.625%
HK$107,971
+HK$5,406/mo
Deposit HK$8.22M · loan HK$19.18M · min. income ≈ HK$205,130/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,164,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,459
−HK$7,052/mo
▼ 0.25% · 3.875%
HK$115,957
−HK$3,554/mo
Today · 4.125%
HK$119,511
baseline
▲ 0.50% · 4.625%
HK$126,783
+HK$7,272/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$239,022/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,110
−HK$6,759/mo
▼ 0.25% · 3.875%
HK$128,465
−HK$3,404/mo
Today · 4.125%
HK$131,869
baseline
▲ 0.50% · 4.625%
HK$138,820
+HK$6,951/mo
Deposit HK$2.74M · loan HK$24.66M · min. income ≈ HK$263,738/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,164,470 · Scale 2, in force from 26 Feb 2026)