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$62,419
−HK$3,914/mo
▼ 0.25% · 3.875%
HK$64,361
−HK$1,972/mo
Today · 4.125%
HK$66,333
baseline
▲ 0.50% · 4.625%
HK$70,370
+HK$4,037/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$132,666/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,441
−HK$3,751/mo
▼ 0.25% · 3.875%
HK$71,303
−HK$1,889/mo
Today · 4.125%
HK$73,192
baseline
▲ 0.50% · 4.625%
HK$77,050
+HK$3,858/mo
Deposit HK$13.69M · loan HK$13.69M · min. income ≈ HK$146,384/mo (50% DSR)
Upfront cash ≈ HK$14.85M (deposit + AVD stamp duty HK$1,163,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,903
−HK$4,697/mo
▼ 0.25% · 3.875%
HK$77,233
−HK$2,367/mo
Today · 4.125%
HK$79,600
baseline
▲ 0.50% · 4.625%
HK$84,444
+HK$4,844/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$159,200/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,329
−HK$4,502/mo
▼ 0.25% · 3.875%
HK$85,564
−HK$2,267/mo
Today · 4.125%
HK$87,831
baseline
▲ 0.50% · 4.625%
HK$92,461
+HK$4,630/mo
Deposit HK$10.95M · loan HK$16.42M · min. income ≈ HK$175,662/mo (50% DSR)
Upfront cash ≈ HK$12.11M (deposit + AVD stamp duty HK$1,163,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,387
−HK$5,480/mo
▼ 0.25% · 3.875%
HK$90,105
−HK$2,762/mo
Today · 4.125%
HK$92,867
baseline
▲ 0.50% · 4.625%
HK$98,518
+HK$5,651/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$185,734/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,217
−HK$5,252/mo
▼ 0.25% · 3.875%
HK$99,824
−HK$2,645/mo
Today · 4.125%
HK$102,469
baseline
▲ 0.50% · 4.625%
HK$107,871
+HK$5,402/mo
Deposit HK$8.21M · loan HK$19.16M · min. income ≈ HK$204,938/mo (50% DSR)
Upfront cash ≈ HK$9.38M (deposit + AVD stamp duty HK$1,163,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,355
−HK$7,045/mo
▼ 0.25% · 3.875%
HK$115,849
−HK$3,551/mo
Today · 4.125%
HK$119,400
baseline
▲ 0.50% · 4.625%
HK$126,665
+HK$7,265/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$238,800/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,993
−HK$6,753/mo
▼ 0.25% · 3.875%
HK$128,346
−HK$3,400/mo
Today · 4.125%
HK$131,746
baseline
▲ 0.50% · 4.625%
HK$138,691
+HK$6,945/mo
Deposit HK$2.74M · loan HK$24.64M · min. income ≈ HK$263,492/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$1,163,386 · Scale 2, in force from 26 Feb 2026)