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$61,843
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,767
−HK$1,954/mo
Today · 4.125%
HK$65,721
baseline
▲ 0.50% · 4.625%
HK$69,720
+HK$3,999/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,442/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,800
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,645
−HK$1,872/mo
Today · 4.125%
HK$72,517
baseline
▲ 0.50% · 4.625%
HK$76,339
+HK$3,822/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$145,034/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,212
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$76,520
−HK$2,345/mo
Today · 4.125%
HK$78,865
baseline
▲ 0.50% · 4.625%
HK$83,664
+HK$4,799/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$157,730/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,560
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,774
−HK$2,246/mo
Today · 4.125%
HK$87,020
baseline
▲ 0.50% · 4.625%
HK$91,607
+HK$4,587/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$174,040/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,580
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,273
−HK$2,737/mo
Today · 4.125%
HK$92,010
baseline
▲ 0.50% · 4.625%
HK$97,608
+HK$5,598/mo
Deposit HK$8.14M · loan HK$18.98M · min. income ≈ HK$184,020/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,320
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,903
−HK$2,620/mo
Today · 4.125%
HK$101,523
baseline
▲ 0.50% · 4.625%
HK$106,875
+HK$5,352/mo
Deposit HK$8.14M · loan HK$18.98M · min. income ≈ HK$203,046/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,317
−HK$6,981/mo
▼ 0.25% · 3.875%
HK$114,780
−HK$3,518/mo
Today · 4.125%
HK$118,298
baseline
▲ 0.50% · 4.625%
HK$125,496
+HK$7,198/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$236,596/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,840
−HK$6,690/mo
▼ 0.25% · 3.875%
HK$127,161
−HK$3,369/mo
Today · 4.125%
HK$130,530
baseline
▲ 0.50% · 4.625%
HK$137,411
+HK$6,881/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$261,060/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,646 · Scale 2, in force from 26 Feb 2026)