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$61,301
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,208
−HK$1,938/mo
Today · 4.125%
HK$65,146
baseline
▲ 0.50% · 4.625%
HK$69,109
+HK$3,963/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,292/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,197
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,026
−HK$1,856/mo
Today · 4.125%
HK$71,882
baseline
▲ 0.50% · 4.625%
HK$75,671
+HK$3,789/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,764/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,562
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,850
−HK$2,325/mo
Today · 4.125%
HK$78,175
baseline
▲ 0.50% · 4.625%
HK$82,931
+HK$4,756/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,350/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,837
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,031
−HK$2,227/mo
Today · 4.125%
HK$86,258
baseline
▲ 0.50% · 4.625%
HK$90,805
+HK$4,547/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$172,516/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,822
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,491
−HK$2,713/mo
Today · 4.125%
HK$91,204
baseline
▲ 0.50% · 4.625%
HK$96,753
+HK$5,549/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$182,408/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,476
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$98,037
−HK$2,597/mo
Today · 4.125%
HK$100,634
baseline
▲ 0.50% · 4.625%
HK$105,939
+HK$5,305/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$201,268/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,342
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$113,775
−HK$3,487/mo
Today · 4.125%
HK$117,262
baseline
▲ 0.50% · 4.625%
HK$124,397
+HK$7,135/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,524/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,755
−HK$6,632/mo
▼ 0.25% · 3.875%
HK$126,047
−HK$3,340/mo
Today · 4.125%
HK$129,387
baseline
▲ 0.50% · 4.625%
HK$136,207
+HK$6,820/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,774/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,551 · Scale 2, in force from 26 Feb 2026)