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$62,063
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,994
−HK$1,961/mo
Today · 4.125%
HK$65,955
baseline
▲ 0.50% · 4.625%
HK$69,968
+HK$4,013/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,910/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,045
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,897
−HK$1,878/mo
Today · 4.125%
HK$72,775
baseline
▲ 0.50% · 4.625%
HK$76,611
+HK$3,836/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,550/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,476
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,793
−HK$2,353/mo
Today · 4.125%
HK$79,146
baseline
▲ 0.50% · 4.625%
HK$83,962
+HK$4,816/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$158,292/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,854
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,076
−HK$2,254/mo
Today · 4.125%
HK$87,330
baseline
▲ 0.50% · 4.625%
HK$91,933
+HK$4,603/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$174,660/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,889
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$89,591
−HK$2,746/mo
Today · 4.125%
HK$92,337
baseline
▲ 0.50% · 4.625%
HK$97,956
+HK$5,619/mo
Deposit HK$8.17M · loan HK$19.05M · min. income ≈ HK$184,674/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,663
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,255
−HK$2,630/mo
Today · 4.125%
HK$101,885
baseline
▲ 0.50% · 4.625%
HK$107,256
+HK$5,371/mo
Deposit HK$8.17M · loan HK$19.05M · min. income ≈ HK$203,770/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,714
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$115,189
−HK$3,530/mo
Today · 4.125%
HK$118,719
baseline
▲ 0.50% · 4.625%
HK$125,943
+HK$7,224/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$237,438/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,281
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$127,614
−HK$3,381/mo
Today · 4.125%
HK$130,995
baseline
▲ 0.50% · 4.625%
HK$137,900
+HK$6,905/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$261,990/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,752 · Scale 2, in force from 26 Feb 2026)