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$61,952
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,879
−HK$1,958/mo
Today · 4.125%
HK$65,837
baseline
▲ 0.50% · 4.625%
HK$69,843
+HK$4,006/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,674/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,921
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,769
−HK$1,875/mo
Today · 4.125%
HK$72,644
baseline
▲ 0.50% · 4.625%
HK$76,473
+HK$3,829/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,288/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,342
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,654
−HK$2,350/mo
Today · 4.125%
HK$79,004
baseline
▲ 0.50% · 4.625%
HK$83,811
+HK$4,807/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$158,008/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,705
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,923
−HK$2,250/mo
Today · 4.125%
HK$87,173
baseline
▲ 0.50% · 4.625%
HK$91,768
+HK$4,595/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,346/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,732
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$89,430
−HK$2,741/mo
Today · 4.125%
HK$92,171
baseline
▲ 0.50% · 4.625%
HK$97,780
+HK$5,609/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,342/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,489
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,077
−HK$2,625/mo
Today · 4.125%
HK$101,702
baseline
▲ 0.50% · 4.625%
HK$107,063
+HK$5,361/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,404/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,513
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$114,982
−HK$3,524/mo
Today · 4.125%
HK$118,506
baseline
▲ 0.50% · 4.625%
HK$125,717
+HK$7,211/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$237,012/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,057
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$127,384
−HK$3,376/mo
Today · 4.125%
HK$130,760
baseline
▲ 0.50% · 4.625%
HK$137,652
+HK$6,892/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,520/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,671 · Scale 2, in force from 26 Feb 2026)