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$62,039
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,969
−HK$1,961/mo
Today · 4.125%
HK$65,930
baseline
▲ 0.50% · 4.625%
HK$69,941
+HK$4,011/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,860/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,018
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,869
−HK$1,878/mo
Today · 4.125%
HK$72,747
baseline
▲ 0.50% · 4.625%
HK$76,581
+HK$3,834/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,494/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,447
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,763
−HK$2,353/mo
Today · 4.125%
HK$79,116
baseline
▲ 0.50% · 4.625%
HK$83,930
+HK$4,814/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,232/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,822
−HK$4,474/mo
▼ 0.25% · 3.875%
HK$85,043
−HK$2,253/mo
Today · 4.125%
HK$87,296
baseline
▲ 0.50% · 4.625%
HK$91,898
+HK$4,602/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,592/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,855
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,557
−HK$2,744/mo
Today · 4.125%
HK$92,301
baseline
▲ 0.50% · 4.625%
HK$97,918
+HK$5,617/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$184,602/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,625
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,217
−HK$2,629/mo
Today · 4.125%
HK$101,846
baseline
▲ 0.50% · 4.625%
HK$107,214
+HK$5,368/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$203,692/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,671
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$115,144
−HK$3,529/mo
Today · 4.125%
HK$118,673
baseline
▲ 0.50% · 4.625%
HK$125,894
+HK$7,221/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$237,346/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,232
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$127,564
−HK$3,380/mo
Today · 4.125%
HK$130,944
baseline
▲ 0.50% · 4.625%
HK$137,847
+HK$6,903/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$261,888/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,303 · Scale 2, in force from 26 Feb 2026)