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$62,053
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,983
−HK$1,961/mo
Today · 4.125%
HK$65,944
baseline
▲ 0.50% · 4.625%
HK$69,957
+HK$4,013/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,888/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,033
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,885
−HK$1,878/mo
Today · 4.125%
HK$72,763
baseline
▲ 0.50% · 4.625%
HK$76,598
+HK$3,835/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,526/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,463
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,780
−HK$2,353/mo
Today · 4.125%
HK$79,133
baseline
▲ 0.50% · 4.625%
HK$83,948
+HK$4,815/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$158,266/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,840
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,062
−HK$2,253/mo
Today · 4.125%
HK$87,315
baseline
▲ 0.50% · 4.625%
HK$91,918
+HK$4,603/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$174,630/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,874
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$89,576
−HK$2,746/mo
Today · 4.125%
HK$92,322
baseline
▲ 0.50% · 4.625%
HK$97,939
+HK$5,617/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$184,644/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,646
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,238
−HK$2,630/mo
Today · 4.125%
HK$101,868
baseline
▲ 0.50% · 4.625%
HK$107,238
+HK$5,370/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$203,736/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,695
−HK$7,004/mo
▼ 0.25% · 3.875%
HK$115,170
−HK$3,529/mo
Today · 4.125%
HK$118,699
baseline
▲ 0.50% · 4.625%
HK$125,922
+HK$7,223/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$237,398/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,260
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$127,592
−HK$3,381/mo
Today · 4.125%
HK$130,973
baseline
▲ 0.50% · 4.625%
HK$137,877
+HK$6,904/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$261,946/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,557 · Scale 2, in force from 26 Feb 2026)