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$61,867
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,792
−HK$1,955/mo
Today · 4.125%
HK$65,747
baseline
▲ 0.50% · 4.625%
HK$69,748
+HK$4,001/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,494/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,827
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,673
−HK$1,872/mo
Today · 4.125%
HK$72,545
baseline
▲ 0.50% · 4.625%
HK$76,369
+HK$3,824/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,090/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,241
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,550
−HK$2,346/mo
Today · 4.125%
HK$78,896
baseline
▲ 0.50% · 4.625%
HK$83,697
+HK$4,801/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$157,792/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,592
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,807
−HK$2,247/mo
Today · 4.125%
HK$87,054
baseline
▲ 0.50% · 4.625%
HK$91,643
+HK$4,589/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$174,108/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,614
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,309
−HK$2,737/mo
Today · 4.125%
HK$92,046
baseline
▲ 0.50% · 4.625%
HK$97,647
+HK$5,601/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,092/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,358
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,942
−HK$2,622/mo
Today · 4.125%
HK$101,564
baseline
▲ 0.50% · 4.625%
HK$106,917
+HK$5,353/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$203,128/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,361
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$114,825
−HK$3,520/mo
Today · 4.125%
HK$118,345
baseline
▲ 0.50% · 4.625%
HK$125,546
+HK$7,201/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$236,690/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,888
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$127,211
−HK$3,371/mo
Today · 4.125%
HK$130,582
baseline
▲ 0.50% · 4.625%
HK$137,465
+HK$6,883/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$261,164/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,101 · Scale 2, in force from 26 Feb 2026)