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$61,934
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,860
−HK$1,957/mo
Today · 4.125%
HK$65,817
baseline
▲ 0.50% · 4.625%
HK$69,822
+HK$4,005/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,634/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,901
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,748
−HK$1,875/mo
Today · 4.125%
HK$72,623
baseline
▲ 0.50% · 4.625%
HK$76,451
+HK$3,828/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,246/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,320
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,632
−HK$2,349/mo
Today · 4.125%
HK$78,981
baseline
▲ 0.50% · 4.625%
HK$83,787
+HK$4,806/mo
Deposit HK$10.86M · loan HK$16.30M · min. income ≈ HK$157,962/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,681
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,898
−HK$2,250/mo
Today · 4.125%
HK$87,148
baseline
▲ 0.50% · 4.625%
HK$91,741
+HK$4,593/mo
Deposit HK$10.86M · loan HK$16.30M · min. income ≈ HK$174,296/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,707
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$89,404
−HK$2,740/mo
Today · 4.125%
HK$92,144
baseline
▲ 0.50% · 4.625%
HK$97,751
+HK$5,607/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$184,288/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,461
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,048
−HK$2,624/mo
Today · 4.125%
HK$101,672
baseline
▲ 0.50% · 4.625%
HK$107,032
+HK$5,360/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$203,344/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,481
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$114,948
−HK$3,523/mo
Today · 4.125%
HK$118,471
baseline
▲ 0.50% · 4.625%
HK$125,680
+HK$7,209/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$236,942/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,021
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$127,347
−HK$3,375/mo
Today · 4.125%
HK$130,722
baseline
▲ 0.50% · 4.625%
HK$137,612
+HK$6,890/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$261,444/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,336 · Scale 2, in force from 26 Feb 2026)