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$62,525
−HK$3,921/mo
▼ 0.25% · 3.875%
HK$64,470
−HK$1,976/mo
Today · 4.125%
HK$66,446
baseline
▲ 0.50% · 4.625%
HK$70,489
+HK$4,043/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$132,892/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,558
−HK$3,759/mo
▼ 0.25% · 3.875%
HK$71,424
−HK$1,893/mo
Today · 4.125%
HK$73,317
baseline
▲ 0.50% · 4.625%
HK$77,181
+HK$3,864/mo
Deposit HK$13.71M · loan HK$13.71M · min. income ≈ HK$146,634/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,165,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,030
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,364
−HK$2,371/mo
Today · 4.125%
HK$79,735
baseline
▲ 0.50% · 4.625%
HK$84,587
+HK$4,852/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$159,470/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,470
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,709
−HK$2,271/mo
Today · 4.125%
HK$87,980
baseline
▲ 0.50% · 4.625%
HK$92,617
+HK$4,637/mo
Deposit HK$10.97M · loan HK$16.45M · min. income ≈ HK$175,960/mo (50% DSR)
Upfront cash ≈ HK$12.13M (deposit + AVD stamp duty HK$1,165,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,535
−HK$5,489/mo
▼ 0.25% · 3.875%
HK$90,258
−HK$2,766/mo
Today · 4.125%
HK$93,024
baseline
▲ 0.50% · 4.625%
HK$98,685
+HK$5,661/mo
Deposit HK$8.23M · loan HK$19.19M · min. income ≈ HK$186,048/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,382
−HK$5,261/mo
▼ 0.25% · 3.875%
HK$99,994
−HK$2,649/mo
Today · 4.125%
HK$102,643
baseline
▲ 0.50% · 4.625%
HK$108,054
+HK$5,411/mo
Deposit HK$8.23M · loan HK$19.19M · min. income ≈ HK$205,286/mo (50% DSR)
Upfront cash ≈ HK$9.39M (deposit + AVD stamp duty HK$1,165,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,545
−HK$7,058/mo
▼ 0.25% · 3.875%
HK$116,046
−HK$3,557/mo
Today · 4.125%
HK$119,603
baseline
▲ 0.50% · 4.625%
HK$126,880
+HK$7,277/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$239,206/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$125,205
−HK$6,765/mo
▼ 0.25% · 3.875%
HK$128,563
−HK$3,407/mo
Today · 4.125%
HK$131,970
baseline
▲ 0.50% · 4.625%
HK$138,926
+HK$6,956/mo
Deposit HK$2.74M · loan HK$24.68M · min. income ≈ HK$263,940/mo (50% DSR)
Upfront cash ≈ HK$3.91M (deposit + AVD stamp duty HK$1,165,358 · Scale 2, in force from 26 Feb 2026)