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$61,824
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,747
−HK$1,953/mo
Today · 4.125%
HK$65,700
baseline
▲ 0.50% · 4.625%
HK$69,698
+HK$3,998/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,400/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,778
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,623
−HK$1,871/mo
Today · 4.125%
HK$72,494
baseline
▲ 0.50% · 4.625%
HK$76,315
+HK$3,821/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$144,988/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,188
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$76,496
−HK$2,345/mo
Today · 4.125%
HK$78,841
baseline
▲ 0.50% · 4.625%
HK$83,638
+HK$4,797/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$157,682/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,534
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$84,747
−HK$2,246/mo
Today · 4.125%
HK$86,993
baseline
▲ 0.50% · 4.625%
HK$91,578
+HK$4,585/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$173,986/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,553
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$89,245
−HK$2,736/mo
Today · 4.125%
HK$91,981
baseline
▲ 0.50% · 4.625%
HK$97,577
+HK$5,596/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$183,962/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,289
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,872
−HK$2,620/mo
Today · 4.125%
HK$101,492
baseline
▲ 0.50% · 4.625%
HK$106,841
+HK$5,349/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$202,984/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,282
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$114,744
−HK$3,517/mo
Today · 4.125%
HK$118,261
baseline
▲ 0.50% · 4.625%
HK$125,457
+HK$7,196/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$236,522/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,801
−HK$6,688/mo
▼ 0.25% · 3.875%
HK$127,121
−HK$3,368/mo
Today · 4.125%
HK$130,489
baseline
▲ 0.50% · 4.625%
HK$137,367
+HK$6,878/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$260,978/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,284 · Scale 2, in force from 26 Feb 2026)