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$61,866
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,790
−HK$1,955/mo
Today · 4.125%
HK$65,745
baseline
▲ 0.50% · 4.625%
HK$69,746
+HK$4,001/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,490/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,825
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,671
−HK$1,873/mo
Today · 4.125%
HK$72,544
baseline
▲ 0.50% · 4.625%
HK$76,368
+HK$3,824/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,088/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,239
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,548
−HK$2,347/mo
Today · 4.125%
HK$78,895
baseline
▲ 0.50% · 4.625%
HK$83,695
+HK$4,800/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$157,790/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,590
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,805
−HK$2,247/mo
Today · 4.125%
HK$87,052
baseline
▲ 0.50% · 4.625%
HK$91,641
+HK$4,589/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$174,104/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,612
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,306
−HK$2,738/mo
Today · 4.125%
HK$92,044
baseline
▲ 0.50% · 4.625%
HK$97,644
+HK$5,600/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,088/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,355
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,940
−HK$2,621/mo
Today · 4.125%
HK$101,561
baseline
▲ 0.50% · 4.625%
HK$106,915
+HK$5,354/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$203,122/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,359
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$114,823
−HK$3,519/mo
Today · 4.125%
HK$118,342
baseline
▲ 0.50% · 4.625%
HK$125,543
+HK$7,201/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$236,684/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,885
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$127,208
−HK$3,371/mo
Today · 4.125%
HK$130,579
baseline
▲ 0.50% · 4.625%
HK$137,462
+HK$6,883/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$261,158/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,073 · Scale 2, in force from 26 Feb 2026)