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$61,873
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,798
−HK$1,955/mo
Today · 4.125%
HK$65,753
baseline
▲ 0.50% · 4.625%
HK$69,754
+HK$4,001/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,506/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,834
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,680
−HK$1,872/mo
Today · 4.125%
HK$72,552
baseline
▲ 0.50% · 4.625%
HK$76,377
+HK$3,825/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,104/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,248
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,558
−HK$2,346/mo
Today · 4.125%
HK$78,904
baseline
▲ 0.50% · 4.625%
HK$83,705
+HK$4,801/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$157,808/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,600
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,816
−HK$2,247/mo
Today · 4.125%
HK$87,063
baseline
▲ 0.50% · 4.625%
HK$91,652
+HK$4,589/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$174,126/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,623
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,317
−HK$2,738/mo
Today · 4.125%
HK$92,055
baseline
▲ 0.50% · 4.625%
HK$97,656
+HK$5,601/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,110/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,367
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,951
−HK$2,622/mo
Today · 4.125%
HK$101,573
baseline
▲ 0.50% · 4.625%
HK$106,927
+HK$5,354/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$203,146/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,372
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$114,836
−HK$3,520/mo
Today · 4.125%
HK$118,356
baseline
▲ 0.50% · 4.625%
HK$125,558
+HK$7,202/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$236,712/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,900
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$127,223
−HK$3,371/mo
Today · 4.125%
HK$130,594
baseline
▲ 0.50% · 4.625%
HK$137,478
+HK$6,884/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$261,188/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,212 · Scale 2, in force from 26 Feb 2026)