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$61,931
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,857
−HK$1,957/mo
Today · 4.125%
HK$65,814
baseline
▲ 0.50% · 4.625%
HK$69,819
+HK$4,005/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,628/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,897
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,745
−HK$1,875/mo
Today · 4.125%
HK$72,620
baseline
▲ 0.50% · 4.625%
HK$76,447
+HK$3,827/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,240/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,317
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,628
−HK$2,349/mo
Today · 4.125%
HK$78,977
baseline
▲ 0.50% · 4.625%
HK$83,783
+HK$4,806/mo
Deposit HK$10.86M · loan HK$16.30M · min. income ≈ HK$157,954/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,677
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,894
−HK$2,249/mo
Today · 4.125%
HK$87,143
baseline
▲ 0.50% · 4.625%
HK$91,737
+HK$4,594/mo
Deposit HK$10.86M · loan HK$16.30M · min. income ≈ HK$174,286/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,703
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$89,400
−HK$2,740/mo
Today · 4.125%
HK$92,140
baseline
▲ 0.50% · 4.625%
HK$97,746
+HK$5,606/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$184,280/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,456
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,043
−HK$2,624/mo
Today · 4.125%
HK$101,667
baseline
▲ 0.50% · 4.625%
HK$107,026
+HK$5,359/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$203,334/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,475
−HK$6,991/mo
▼ 0.25% · 3.875%
HK$114,943
−HK$3,523/mo
Today · 4.125%
HK$118,466
baseline
▲ 0.50% · 4.625%
HK$125,674
+HK$7,208/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$236,932/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,280 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,015
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$127,341
−HK$3,374/mo
Today · 4.125%
HK$130,715
baseline
▲ 0.50% · 4.625%
HK$137,605
+HK$6,890/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$261,430/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,280 · Scale 2, in force from 26 Feb 2026)