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$61,844
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,768
−HK$1,954/mo
Today · 4.125%
HK$65,722
baseline
▲ 0.50% · 4.625%
HK$69,722
+HK$4,000/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,444/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,801
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,646
−HK$1,872/mo
Today · 4.125%
HK$72,518
baseline
▲ 0.50% · 4.625%
HK$76,341
+HK$3,823/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$145,036/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,213
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,522
−HK$2,345/mo
Today · 4.125%
HK$78,867
baseline
▲ 0.50% · 4.625%
HK$83,666
+HK$4,799/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$157,734/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,561
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,776
−HK$2,246/mo
Today · 4.125%
HK$87,022
baseline
▲ 0.50% · 4.625%
HK$91,609
+HK$4,587/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$174,044/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,582
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$89,275
−HK$2,736/mo
Today · 4.125%
HK$92,011
baseline
▲ 0.50% · 4.625%
HK$97,610
+HK$5,599/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,022/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,322
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,905
−HK$2,621/mo
Today · 4.125%
HK$101,526
baseline
▲ 0.50% · 4.625%
HK$106,877
+HK$5,351/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$203,052/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,320
−HK$6,980/mo
▼ 0.25% · 3.875%
HK$114,782
−HK$3,518/mo
Today · 4.125%
HK$118,300
baseline
▲ 0.50% · 4.625%
HK$125,499
+HK$7,199/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$236,600/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,842
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$127,163
−HK$3,370/mo
Today · 4.125%
HK$130,533
baseline
▲ 0.50% · 4.625%
HK$137,413
+HK$6,880/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$261,066/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,670 · Scale 2, in force from 26 Feb 2026)