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$61,848
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,772
−HK$1,954/mo
Today · 4.125%
HK$65,726
baseline
▲ 0.50% · 4.625%
HK$69,725
+HK$3,999/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,452/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,805
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,650
−HK$1,872/mo
Today · 4.125%
HK$72,522
baseline
▲ 0.50% · 4.625%
HK$76,345
+HK$3,823/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$145,044/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,217
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,526
−HK$2,345/mo
Today · 4.125%
HK$78,871
baseline
▲ 0.50% · 4.625%
HK$83,671
+HK$4,800/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$157,742/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,566
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,780
−HK$2,247/mo
Today · 4.125%
HK$87,027
baseline
▲ 0.50% · 4.625%
HK$91,614
+HK$4,587/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$174,054/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,587
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,280
−HK$2,737/mo
Today · 4.125%
HK$92,017
baseline
▲ 0.50% · 4.625%
HK$97,616
+HK$5,599/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,034/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,327
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,910
−HK$2,621/mo
Today · 4.125%
HK$101,531
baseline
▲ 0.50% · 4.625%
HK$106,883
+HK$5,352/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$203,062/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,326
−HK$6,981/mo
▼ 0.25% · 3.875%
HK$114,789
−HK$3,518/mo
Today · 4.125%
HK$118,307
baseline
▲ 0.50% · 4.625%
HK$125,506
+HK$7,199/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$236,614/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,152,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,849
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$127,171
−HK$3,369/mo
Today · 4.125%
HK$130,540
baseline
▲ 0.50% · 4.625%
HK$137,421
+HK$6,881/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$261,080/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,152,735 · Scale 2, in force from 26 Feb 2026)