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$62,036
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,965
−HK$1,961/mo
Today · 4.125%
HK$65,926
baseline
▲ 0.50% · 4.625%
HK$69,937
+HK$4,011/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,852/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,014
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,865
−HK$1,878/mo
Today · 4.125%
HK$72,743
baseline
▲ 0.50% · 4.625%
HK$76,577
+HK$3,834/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,486/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,443
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$76,759
−HK$2,352/mo
Today · 4.125%
HK$79,111
baseline
▲ 0.50% · 4.625%
HK$83,925
+HK$4,814/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,222/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,817
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,038
−HK$2,253/mo
Today · 4.125%
HK$87,291
baseline
▲ 0.50% · 4.625%
HK$91,893
+HK$4,602/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,582/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,850
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,552
−HK$2,744/mo
Today · 4.125%
HK$92,296
baseline
▲ 0.50% · 4.625%
HK$97,912
+HK$5,616/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$184,592/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,620
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$99,211
−HK$2,629/mo
Today · 4.125%
HK$101,840
baseline
▲ 0.50% · 4.625%
HK$107,208
+HK$5,368/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$203,680/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,664
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$115,138
−HK$3,529/mo
Today · 4.125%
HK$118,667
baseline
▲ 0.50% · 4.625%
HK$125,887
+HK$7,220/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$237,334/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,239 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,225
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$127,557
−HK$3,380/mo
Today · 4.125%
HK$130,937
baseline
▲ 0.50% · 4.625%
HK$137,839
+HK$6,902/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$261,874/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,239 · Scale 2, in force from 26 Feb 2026)