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$61,907
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,833
−HK$1,956/mo
Today · 4.125%
HK$65,789
baseline
▲ 0.50% · 4.625%
HK$69,792
+HK$4,003/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,578/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,871
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,718
−HK$1,874/mo
Today · 4.125%
HK$72,592
baseline
▲ 0.50% · 4.625%
HK$76,418
+HK$3,826/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,184/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,289
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,599
−HK$2,348/mo
Today · 4.125%
HK$78,947
baseline
▲ 0.50% · 4.625%
HK$83,751
+HK$4,804/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$157,894/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,645
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,862
−HK$2,248/mo
Today · 4.125%
HK$87,110
baseline
▲ 0.50% · 4.625%
HK$91,702
+HK$4,592/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$174,220/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,670
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,366
−HK$2,739/mo
Today · 4.125%
HK$92,105
baseline
▲ 0.50% · 4.625%
HK$97,709
+HK$5,604/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$184,210/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,419
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,005
−HK$2,624/mo
Today · 4.125%
HK$101,629
baseline
▲ 0.50% · 4.625%
HK$106,986
+HK$5,357/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$203,258/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,433
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$114,899
−HK$3,522/mo
Today · 4.125%
HK$118,421
baseline
▲ 0.50% · 4.625%
HK$125,626
+HK$7,205/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$236,842/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,968
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$127,293
−HK$3,372/mo
Today · 4.125%
HK$130,665
baseline
▲ 0.50% · 4.625%
HK$137,553
+HK$6,888/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$261,330/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,841 · Scale 2, in force from 26 Feb 2026)