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$61,906
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,831
−HK$1,957/mo
Today · 4.125%
HK$65,788
baseline
▲ 0.50% · 4.625%
HK$69,791
+HK$4,003/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,576/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,869
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,716
−HK$1,874/mo
Today · 4.125%
HK$72,590
baseline
▲ 0.50% · 4.625%
HK$76,416
+HK$3,826/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,180/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,287
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,597
−HK$2,348/mo
Today · 4.125%
HK$78,945
baseline
▲ 0.50% · 4.625%
HK$83,749
+HK$4,804/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$157,890/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,643
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,860
−HK$2,248/mo
Today · 4.125%
HK$87,108
baseline
▲ 0.50% · 4.625%
HK$91,700
+HK$4,592/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$174,216/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,668
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,364
−HK$2,739/mo
Today · 4.125%
HK$92,103
baseline
▲ 0.50% · 4.625%
HK$97,707
+HK$5,604/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$184,206/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,417
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$99,003
−HK$2,623/mo
Today · 4.125%
HK$101,626
baseline
▲ 0.50% · 4.625%
HK$106,983
+HK$5,357/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$203,252/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,430
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$114,896
−HK$3,522/mo
Today · 4.125%
HK$118,418
baseline
▲ 0.50% · 4.625%
HK$125,623
+HK$7,205/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$236,836/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,965
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$127,289
−HK$3,373/mo
Today · 4.125%
HK$130,662
baseline
▲ 0.50% · 4.625%
HK$137,550
+HK$6,888/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$261,324/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,812 · Scale 2, in force from 26 Feb 2026)