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$61,966
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,894
−HK$1,958/mo
Today · 4.125%
HK$65,852
baseline
▲ 0.50% · 4.625%
HK$69,859
+HK$4,007/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,704/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,937
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,785
−HK$1,876/mo
Today · 4.125%
HK$72,661
baseline
▲ 0.50% · 4.625%
HK$76,491
+HK$3,830/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,322/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,359
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,672
−HK$2,350/mo
Today · 4.125%
HK$79,022
baseline
▲ 0.50% · 4.625%
HK$83,831
+HK$4,809/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$158,044/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,724
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,943
−HK$2,250/mo
Today · 4.125%
HK$87,193
baseline
▲ 0.50% · 4.625%
HK$91,789
+HK$4,596/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$174,386/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,752
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,451
−HK$2,742/mo
Today · 4.125%
HK$92,193
baseline
▲ 0.50% · 4.625%
HK$97,802
+HK$5,609/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,386/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,511
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,100
−HK$2,625/mo
Today · 4.125%
HK$101,725
baseline
▲ 0.50% · 4.625%
HK$107,088
+HK$5,363/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,450/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,539
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$115,008
−HK$3,525/mo
Today · 4.125%
HK$118,533
baseline
▲ 0.50% · 4.625%
HK$125,746
+HK$7,213/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$237,066/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,086
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,414
−HK$3,376/mo
Today · 4.125%
HK$130,790
baseline
▲ 0.50% · 4.625%
HK$137,684
+HK$6,894/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$261,580/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,940 · Scale 2, in force from 26 Feb 2026)