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$61,941
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,868
−HK$1,957/mo
Today · 4.125%
HK$65,825
baseline
▲ 0.50% · 4.625%
HK$69,830
+HK$4,005/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,650/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,909
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,757
−HK$1,874/mo
Today · 4.125%
HK$72,631
baseline
▲ 0.50% · 4.625%
HK$76,460
+HK$3,829/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,262/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,329
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,641
−HK$2,349/mo
Today · 4.125%
HK$78,990
baseline
▲ 0.50% · 4.625%
HK$83,796
+HK$4,806/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$157,980/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,690
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,908
−HK$2,250/mo
Today · 4.125%
HK$87,158
baseline
▲ 0.50% · 4.625%
HK$91,752
+HK$4,594/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,316/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,717
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,415
−HK$2,740/mo
Today · 4.125%
HK$92,155
baseline
▲ 0.50% · 4.625%
HK$97,762
+HK$5,607/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$184,310/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,472
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$99,059
−HK$2,625/mo
Today · 4.125%
HK$101,684
baseline
▲ 0.50% · 4.625%
HK$107,044
+HK$5,360/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$203,368/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,493
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$114,962
−HK$3,523/mo
Today · 4.125%
HK$118,485
baseline
▲ 0.50% · 4.625%
HK$125,695
+HK$7,210/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$236,970/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,035
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$127,362
−HK$3,375/mo
Today · 4.125%
HK$130,737
baseline
▲ 0.50% · 4.625%
HK$137,628
+HK$6,891/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,474/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,469 · Scale 2, in force from 26 Feb 2026)