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$61,972
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,900
−HK$1,958/mo
Today · 4.125%
HK$65,858
baseline
▲ 0.50% · 4.625%
HK$69,865
+HK$4,007/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,716/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,155,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,943
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,792
−HK$1,876/mo
Today · 4.125%
HK$72,668
baseline
▲ 0.50% · 4.625%
HK$76,498
+HK$3,830/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,336/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,155,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,366
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,679
−HK$2,351/mo
Today · 4.125%
HK$79,030
baseline
▲ 0.50% · 4.625%
HK$83,838
+HK$4,808/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$158,060/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,732
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,951
−HK$2,250/mo
Today · 4.125%
HK$87,201
baseline
▲ 0.50% · 4.625%
HK$91,798
+HK$4,597/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$174,402/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,761
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,459
−HK$2,742/mo
Today · 4.125%
HK$92,201
baseline
▲ 0.50% · 4.625%
HK$97,812
+HK$5,611/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,402/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,520
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,109
−HK$2,626/mo
Today · 4.125%
HK$101,735
baseline
▲ 0.50% · 4.625%
HK$107,098
+HK$5,363/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,470/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,549
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$115,019
−HK$3,526/mo
Today · 4.125%
HK$118,545
baseline
▲ 0.50% · 4.625%
HK$125,758
+HK$7,213/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$237,090/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,098
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,426
−HK$3,376/mo
Today · 4.125%
HK$130,802
baseline
▲ 0.50% · 4.625%
HK$137,697
+HK$6,895/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$261,604/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,048 · Scale 2, in force from 26 Feb 2026)