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$61,938
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,864
−HK$1,958/mo
Today · 4.125%
HK$65,822
baseline
▲ 0.50% · 4.625%
HK$69,827
+HK$4,005/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,644/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,905
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,753
−HK$1,875/mo
Today · 4.125%
HK$72,628
baseline
▲ 0.50% · 4.625%
HK$76,456
+HK$3,828/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,256/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,325
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,637
−HK$2,349/mo
Today · 4.125%
HK$78,986
baseline
▲ 0.50% · 4.625%
HK$83,792
+HK$4,806/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$157,972/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,686
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,904
−HK$2,249/mo
Today · 4.125%
HK$87,153
baseline
▲ 0.50% · 4.625%
HK$91,747
+HK$4,594/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,306/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,713
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$89,410
−HK$2,740/mo
Today · 4.125%
HK$92,150
baseline
▲ 0.50% · 4.625%
HK$97,757
+HK$5,607/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$184,300/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,467
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$99,054
−HK$2,625/mo
Today · 4.125%
HK$101,679
baseline
▲ 0.50% · 4.625%
HK$107,038
+HK$5,359/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$203,358/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,488
−HK$6,991/mo
▼ 0.25% · 3.875%
HK$114,956
−HK$3,523/mo
Today · 4.125%
HK$118,479
baseline
▲ 0.50% · 4.625%
HK$125,688
+HK$7,209/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$236,958/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,029
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$127,355
−HK$3,375/mo
Today · 4.125%
HK$130,730
baseline
▲ 0.50% · 4.625%
HK$137,621
+HK$6,891/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,460/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,409 · Scale 2, in force from 26 Feb 2026)