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$61,878
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,803
−HK$1,955/mo
Today · 4.125%
HK$65,758
baseline
▲ 0.50% · 4.625%
HK$69,760
+HK$4,002/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,516/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,839
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,685
−HK$1,873/mo
Today · 4.125%
HK$72,558
baseline
▲ 0.50% · 4.625%
HK$76,382
+HK$3,824/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,116/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,254
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,563
−HK$2,347/mo
Today · 4.125%
HK$78,910
baseline
▲ 0.50% · 4.625%
HK$83,711
+HK$4,801/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$157,820/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,606
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,822
−HK$2,247/mo
Today · 4.125%
HK$87,069
baseline
▲ 0.50% · 4.625%
HK$91,659
+HK$4,590/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$174,138/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,629
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$89,324
−HK$2,738/mo
Today · 4.125%
HK$92,062
baseline
▲ 0.50% · 4.625%
HK$97,663
+HK$5,601/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$184,124/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,374
−HK$5,207/mo
▼ 0.25% · 3.875%
HK$98,959
−HK$2,622/mo
Today · 4.125%
HK$101,581
baseline
▲ 0.50% · 4.625%
HK$106,935
+HK$5,354/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$203,162/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,380
−HK$6,985/mo
▼ 0.25% · 3.875%
HK$114,845
−HK$3,520/mo
Today · 4.125%
HK$118,365
baseline
▲ 0.50% · 4.625%
HK$125,567
+HK$7,202/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$236,730/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,910
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$127,233
−HK$3,371/mo
Today · 4.125%
HK$130,604
baseline
▲ 0.50% · 4.625%
HK$137,488
+HK$6,884/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$261,208/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,299 · Scale 2, in force from 26 Feb 2026)