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$62,085
−HK$3,893/mo
▼ 0.25% · 3.875%
HK$64,016
−HK$1,962/mo
Today · 4.125%
HK$65,978
baseline
▲ 0.50% · 4.625%
HK$69,993
+HK$4,015/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,956/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,157,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,069
−HK$3,731/mo
▼ 0.25% · 3.875%
HK$70,921
−HK$1,879/mo
Today · 4.125%
HK$72,800
baseline
▲ 0.50% · 4.625%
HK$76,638
+HK$3,838/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,600/mo (50% DSR)
Upfront cash ≈ HK$14.77M (deposit + AVD stamp duty HK$1,157,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,502
−HK$4,672/mo
▼ 0.25% · 3.875%
HK$76,819
−HK$2,355/mo
Today · 4.125%
HK$79,174
baseline
▲ 0.50% · 4.625%
HK$83,991
+HK$4,817/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$158,348/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,883
−HK$4,477/mo
▼ 0.25% · 3.875%
HK$85,105
−HK$2,255/mo
Today · 4.125%
HK$87,360
baseline
▲ 0.50% · 4.625%
HK$91,965
+HK$4,605/mo
Deposit HK$10.89M · loan HK$16.34M · min. income ≈ HK$174,720/mo (50% DSR)
Upfront cash ≈ HK$12.05M (deposit + AVD stamp duty HK$1,157,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,919
−HK$5,450/mo
▼ 0.25% · 3.875%
HK$89,622
−HK$2,747/mo
Today · 4.125%
HK$92,369
baseline
▲ 0.50% · 4.625%
HK$97,990
+HK$5,621/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$184,738/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,696
−HK$5,224/mo
▼ 0.25% · 3.875%
HK$99,290
−HK$2,630/mo
Today · 4.125%
HK$101,920
baseline
▲ 0.50% · 4.625%
HK$107,293
+HK$5,373/mo
Deposit HK$8.17M · loan HK$19.06M · min. income ≈ HK$203,840/mo (50% DSR)
Upfront cash ≈ HK$9.33M (deposit + AVD stamp duty HK$1,157,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,753
−HK$7,008/mo
▼ 0.25% · 3.875%
HK$115,229
−HK$3,532/mo
Today · 4.125%
HK$118,761
baseline
▲ 0.50% · 4.625%
HK$125,987
+HK$7,226/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$237,522/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,324
−HK$6,717/mo
▼ 0.25% · 3.875%
HK$127,658
−HK$3,383/mo
Today · 4.125%
HK$131,041
baseline
▲ 0.50% · 4.625%
HK$137,948
+HK$6,907/mo
Deposit HK$2.72M · loan HK$24.50M · min. income ≈ HK$262,082/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,157,153 · Scale 2, in force from 26 Feb 2026)