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$61,864
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,788
−HK$1,956/mo
Today · 4.125%
HK$65,744
baseline
▲ 0.50% · 4.625%
HK$69,744
+HK$4,000/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,488/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,823
−HK$3,718/mo
▼ 0.25% · 3.875%
HK$70,669
−HK$1,872/mo
Today · 4.125%
HK$72,541
baseline
▲ 0.50% · 4.625%
HK$76,365
+HK$3,824/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,082/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,237
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,546
−HK$2,346/mo
Today · 4.125%
HK$78,892
baseline
▲ 0.50% · 4.625%
HK$83,693
+HK$4,801/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$157,784/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,588
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,803
−HK$2,247/mo
Today · 4.125%
HK$87,050
baseline
▲ 0.50% · 4.625%
HK$91,638
+HK$4,588/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$174,100/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,610
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$89,304
−HK$2,737/mo
Today · 4.125%
HK$92,041
baseline
▲ 0.50% · 4.625%
HK$97,641
+HK$5,600/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,082/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,352
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,937
−HK$2,621/mo
Today · 4.125%
HK$101,558
baseline
▲ 0.50% · 4.625%
HK$106,911
+HK$5,353/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$203,116/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,355
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$114,819
−HK$3,519/mo
Today · 4.125%
HK$118,338
baseline
▲ 0.50% · 4.625%
HK$125,539
+HK$7,201/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$236,676/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,882
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$127,204
−HK$3,371/mo
Today · 4.125%
HK$130,575
baseline
▲ 0.50% · 4.625%
HK$137,457
+HK$6,882/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$261,150/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,039 · Scale 2, in force from 26 Feb 2026)