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$62,057
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,987
−HK$1,961/mo
Today · 4.125%
HK$65,948
baseline
▲ 0.50% · 4.625%
HK$69,961
+HK$4,013/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,896/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,037
−HK$3,730/mo
▼ 0.25% · 3.875%
HK$70,889
−HK$1,878/mo
Today · 4.125%
HK$72,767
baseline
▲ 0.50% · 4.625%
HK$76,603
+HK$3,836/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,534/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,468
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,784
−HK$2,354/mo
Today · 4.125%
HK$79,138
baseline
▲ 0.50% · 4.625%
HK$83,953
+HK$4,815/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$158,276/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,845
−HK$4,476/mo
▼ 0.25% · 3.875%
HK$85,067
−HK$2,254/mo
Today · 4.125%
HK$87,321
baseline
▲ 0.50% · 4.625%
HK$91,924
+HK$4,603/mo
Deposit HK$10.89M · loan HK$16.33M · min. income ≈ HK$174,642/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,879
−HK$5,448/mo
▼ 0.25% · 3.875%
HK$89,582
−HK$2,745/mo
Today · 4.125%
HK$92,327
baseline
▲ 0.50% · 4.625%
HK$97,945
+HK$5,618/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$184,654/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,652
−HK$5,222/mo
▼ 0.25% · 3.875%
HK$99,245
−HK$2,629/mo
Today · 4.125%
HK$101,874
baseline
▲ 0.50% · 4.625%
HK$107,244
+HK$5,370/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$203,748/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,702
−HK$7,005/mo
▼ 0.25% · 3.875%
HK$115,177
−HK$3,530/mo
Today · 4.125%
HK$118,707
baseline
▲ 0.50% · 4.625%
HK$125,930
+HK$7,223/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$237,414/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,267
−HK$6,714/mo
▼ 0.25% · 3.875%
HK$127,600
−HK$3,381/mo
Today · 4.125%
HK$130,981
baseline
▲ 0.50% · 4.625%
HK$137,885
+HK$6,904/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$261,962/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,629 · Scale 2, in force from 26 Feb 2026)