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$62,067
−HK$3,892/mo
▼ 0.25% · 3.875%
HK$63,998
−HK$1,961/mo
Today · 4.125%
HK$65,959
baseline
▲ 0.50% · 4.625%
HK$69,973
+HK$4,014/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,918/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,049
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,901
−HK$1,878/mo
Today · 4.125%
HK$72,779
baseline
▲ 0.50% · 4.625%
HK$76,616
+HK$3,837/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,558/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,156,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,480
−HK$4,671/mo
▼ 0.25% · 3.875%
HK$76,797
−HK$2,354/mo
Today · 4.125%
HK$79,151
baseline
▲ 0.50% · 4.625%
HK$83,967
+HK$4,816/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$158,302/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,859
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,081
−HK$2,254/mo
Today · 4.125%
HK$87,335
baseline
▲ 0.50% · 4.625%
HK$91,939
+HK$4,604/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$174,670/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,894
−HK$5,449/mo
▼ 0.25% · 3.875%
HK$89,597
−HK$2,746/mo
Today · 4.125%
HK$92,343
baseline
▲ 0.50% · 4.625%
HK$97,962
+HK$5,619/mo
Deposit HK$8.17M · loan HK$19.05M · min. income ≈ HK$184,686/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,668
−HK$5,223/mo
▼ 0.25% · 3.875%
HK$99,261
−HK$2,630/mo
Today · 4.125%
HK$101,891
baseline
▲ 0.50% · 4.625%
HK$107,262
+HK$5,371/mo
Deposit HK$8.17M · loan HK$19.05M · min. income ≈ HK$203,782/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,721
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$115,196
−HK$3,530/mo
Today · 4.125%
HK$118,726
baseline
▲ 0.50% · 4.625%
HK$125,951
+HK$7,225/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$237,452/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,288
−HK$6,715/mo
▼ 0.25% · 3.875%
HK$127,621
−HK$3,382/mo
Today · 4.125%
HK$131,003
baseline
▲ 0.50% · 4.625%
HK$137,908
+HK$6,905/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$262,006/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,821 · Scale 2, in force from 26 Feb 2026)