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$61,929
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,855
−HK$1,957/mo
Today · 4.125%
HK$65,812
baseline
▲ 0.50% · 4.625%
HK$69,817
+HK$4,005/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,624/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,895
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,743
−HK$1,874/mo
Today · 4.125%
HK$72,617
baseline
▲ 0.50% · 4.625%
HK$76,445
+HK$3,828/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,234/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,315
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,626
−HK$2,349/mo
Today · 4.125%
HK$78,975
baseline
▲ 0.50% · 4.625%
HK$83,780
+HK$4,805/mo
Deposit HK$10.86M · loan HK$16.30M · min. income ≈ HK$157,950/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,674
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,892
−HK$2,249/mo
Today · 4.125%
HK$87,141
baseline
▲ 0.50% · 4.625%
HK$91,734
+HK$4,593/mo
Deposit HK$10.86M · loan HK$16.30M · min. income ≈ HK$174,282/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,700
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$89,397
−HK$2,740/mo
Today · 4.125%
HK$92,137
baseline
▲ 0.50% · 4.625%
HK$97,744
+HK$5,607/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$184,274/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,453
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,040
−HK$2,624/mo
Today · 4.125%
HK$101,664
baseline
▲ 0.50% · 4.625%
HK$107,023
+HK$5,359/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$203,328/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,472
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$114,939
−HK$3,523/mo
Today · 4.125%
HK$118,462
baseline
▲ 0.50% · 4.625%
HK$125,670
+HK$7,208/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$236,924/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,011
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$127,337
−HK$3,374/mo
Today · 4.125%
HK$130,711
baseline
▲ 0.50% · 4.625%
HK$137,601
+HK$6,890/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$261,422/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,246 · Scale 2, in force from 26 Feb 2026)