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$62,049
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,979
−HK$1,961/mo
Today · 4.125%
HK$65,940
baseline
▲ 0.50% · 4.625%
HK$69,953
+HK$4,013/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,880/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,029
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,880
−HK$1,879/mo
Today · 4.125%
HK$72,759
baseline
▲ 0.50% · 4.625%
HK$76,594
+HK$3,835/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,518/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,459
−HK$4,669/mo
▼ 0.25% · 3.875%
HK$76,775
−HK$2,353/mo
Today · 4.125%
HK$79,128
baseline
▲ 0.50% · 4.625%
HK$83,943
+HK$4,815/mo
Deposit HK$10.88M · loan HK$16.33M · min. income ≈ HK$158,256/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,835
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,057
−HK$2,253/mo
Today · 4.125%
HK$87,310
baseline
▲ 0.50% · 4.625%
HK$91,912
+HK$4,602/mo
Deposit HK$10.88M · loan HK$16.33M · min. income ≈ HK$174,620/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,869
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$89,571
−HK$2,745/mo
Today · 4.125%
HK$92,316
baseline
▲ 0.50% · 4.625%
HK$97,934
+HK$5,618/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$184,632/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,641
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,233
−HK$2,629/mo
Today · 4.125%
HK$101,862
baseline
▲ 0.50% · 4.625%
HK$107,231
+HK$5,369/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$203,724/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,689
−HK$7,003/mo
▼ 0.25% · 3.875%
HK$115,163
−HK$3,529/mo
Today · 4.125%
HK$118,692
baseline
▲ 0.50% · 4.625%
HK$125,915
+HK$7,223/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$237,384/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,252
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$127,585
−HK$3,380/mo
Today · 4.125%
HK$130,965
baseline
▲ 0.50% · 4.625%
HK$137,869
+HK$6,904/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$261,930/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,489 · Scale 2, in force from 26 Feb 2026)