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$61,959
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,886
−HK$1,958/mo
Today · 4.125%
HK$65,844
baseline
▲ 0.50% · 4.625%
HK$69,851
+HK$4,007/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,688/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,929
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,777
−HK$1,876/mo
Today · 4.125%
HK$72,653
baseline
▲ 0.50% · 4.625%
HK$76,482
+HK$3,829/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,306/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,351
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,663
−HK$2,350/mo
Today · 4.125%
HK$79,013
baseline
▲ 0.50% · 4.625%
HK$83,821
+HK$4,808/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$158,026/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,714
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,933
−HK$2,250/mo
Today · 4.125%
HK$87,183
baseline
▲ 0.50% · 4.625%
HK$91,779
+HK$4,596/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,366/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,742
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,441
−HK$2,741/mo
Today · 4.125%
HK$92,182
baseline
▲ 0.50% · 4.625%
HK$97,791
+HK$5,609/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,364/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,500
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,088
−HK$2,626/mo
Today · 4.125%
HK$101,714
baseline
▲ 0.50% · 4.625%
HK$107,075
+HK$5,361/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,428/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,526
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$114,995
−HK$3,525/mo
Today · 4.125%
HK$118,520
baseline
▲ 0.50% · 4.625%
HK$125,731
+HK$7,211/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$237,040/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,072
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$127,399
−HK$3,376/mo
Today · 4.125%
HK$130,775
baseline
▲ 0.50% · 4.625%
HK$137,668
+HK$6,893/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,550/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,806 · Scale 2, in force from 26 Feb 2026)