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$61,988
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,916
−HK$1,959/mo
Today · 4.125%
HK$65,875
baseline
▲ 0.50% · 4.625%
HK$69,883
+HK$4,008/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,750/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,961
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,810
−HK$1,876/mo
Today · 4.125%
HK$72,686
baseline
▲ 0.50% · 4.625%
HK$76,518
+HK$3,832/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,372/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,385
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,699
−HK$2,351/mo
Today · 4.125%
HK$79,050
baseline
▲ 0.50% · 4.625%
HK$83,860
+HK$4,810/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$158,100/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,753
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,972
−HK$2,252/mo
Today · 4.125%
HK$87,224
baseline
▲ 0.50% · 4.625%
HK$91,821
+HK$4,597/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$174,448/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,783
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,482
−HK$2,743/mo
Today · 4.125%
HK$92,225
baseline
▲ 0.50% · 4.625%
HK$97,836
+HK$5,611/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$184,450/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,545
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$99,134
−HK$2,627/mo
Today · 4.125%
HK$101,761
baseline
▲ 0.50% · 4.625%
HK$107,125
+HK$5,364/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$203,522/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,578
−HK$6,997/mo
▼ 0.25% · 3.875%
HK$115,049
−HK$3,526/mo
Today · 4.125%
HK$118,575
baseline
▲ 0.50% · 4.625%
HK$125,790
+HK$7,215/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$237,150/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,129
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$127,458
−HK$3,378/mo
Today · 4.125%
HK$130,836
baseline
▲ 0.50% · 4.625%
HK$137,732
+HK$6,896/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$261,672/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,343 · Scale 2, in force from 26 Feb 2026)