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$61,935
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,861
−HK$1,957/mo
Today · 4.125%
HK$65,818
baseline
▲ 0.50% · 4.625%
HK$69,823
+HK$4,005/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,636/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,902
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,750
−HK$1,874/mo
Today · 4.125%
HK$72,624
baseline
▲ 0.50% · 4.625%
HK$76,452
+HK$3,828/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,248/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,322
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,633
−HK$2,349/mo
Today · 4.125%
HK$78,982
baseline
▲ 0.50% · 4.625%
HK$83,788
+HK$4,806/mo
Deposit HK$10.86M · loan HK$16.30M · min. income ≈ HK$157,964/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,682
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,899
−HK$2,250/mo
Today · 4.125%
HK$87,149
baseline
▲ 0.50% · 4.625%
HK$91,743
+HK$4,594/mo
Deposit HK$10.86M · loan HK$16.30M · min. income ≈ HK$174,298/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,708
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,406
−HK$2,740/mo
Today · 4.125%
HK$92,146
baseline
▲ 0.50% · 4.625%
HK$97,753
+HK$5,607/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$184,292/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,462
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$99,049
−HK$2,625/mo
Today · 4.125%
HK$101,674
baseline
▲ 0.50% · 4.625%
HK$107,033
+HK$5,359/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$203,348/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,482
−HK$6,991/mo
▼ 0.25% · 3.875%
HK$114,950
−HK$3,523/mo
Today · 4.125%
HK$118,473
baseline
▲ 0.50% · 4.625%
HK$125,682
+HK$7,209/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$236,946/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,023
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$127,349
−HK$3,375/mo
Today · 4.125%
HK$130,724
baseline
▲ 0.50% · 4.625%
HK$137,614
+HK$6,890/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,448/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,354 · Scale 2, in force from 26 Feb 2026)