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$62,048
−HK$3,891/mo
▼ 0.25% · 3.875%
HK$63,978
−HK$1,961/mo
Today · 4.125%
HK$65,939
baseline
▲ 0.50% · 4.625%
HK$69,951
+HK$4,012/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$131,878/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,028
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,879
−HK$1,878/mo
Today · 4.125%
HK$72,757
baseline
▲ 0.50% · 4.625%
HK$76,592
+HK$3,835/mo
Deposit HK$13.61M · loan HK$13.61M · min. income ≈ HK$145,514/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,457
−HK$4,670/mo
▼ 0.25% · 3.875%
HK$76,774
−HK$2,353/mo
Today · 4.125%
HK$79,127
baseline
▲ 0.50% · 4.625%
HK$83,941
+HK$4,814/mo
Deposit HK$10.88M · loan HK$16.33M · min. income ≈ HK$158,254/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,833
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,055
−HK$2,253/mo
Today · 4.125%
HK$87,308
baseline
▲ 0.50% · 4.625%
HK$91,911
+HK$4,603/mo
Deposit HK$10.88M · loan HK$16.33M · min. income ≈ HK$174,616/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,867
−HK$5,447/mo
▼ 0.25% · 3.875%
HK$89,569
−HK$2,745/mo
Today · 4.125%
HK$92,314
baseline
▲ 0.50% · 4.625%
HK$97,932
+HK$5,618/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$184,628/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,639
−HK$5,221/mo
▼ 0.25% · 3.875%
HK$99,231
−HK$2,629/mo
Today · 4.125%
HK$101,860
baseline
▲ 0.50% · 4.625%
HK$107,229
+HK$5,369/mo
Deposit HK$8.16M · loan HK$19.05M · min. income ≈ HK$203,720/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,686
−HK$7,004/mo
▼ 0.25% · 3.875%
HK$115,160
−HK$3,530/mo
Today · 4.125%
HK$118,690
baseline
▲ 0.50% · 4.625%
HK$125,912
+HK$7,222/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$237,380/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,250
−HK$6,713/mo
▼ 0.25% · 3.875%
HK$127,582
−HK$3,381/mo
Today · 4.125%
HK$130,963
baseline
▲ 0.50% · 4.625%
HK$137,866
+HK$6,903/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$261,926/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,465 · Scale 2, in force from 26 Feb 2026)