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$61,930
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,856
−HK$1,957/mo
Today · 4.125%
HK$65,813
baseline
▲ 0.50% · 4.625%
HK$69,818
+HK$4,005/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,626/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,896
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,744
−HK$1,874/mo
Today · 4.125%
HK$72,618
baseline
▲ 0.50% · 4.625%
HK$76,446
+HK$3,828/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,236/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,316
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,627
−HK$2,349/mo
Today · 4.125%
HK$78,976
baseline
▲ 0.50% · 4.625%
HK$83,781
+HK$4,805/mo
Deposit HK$10.86M · loan HK$16.30M · min. income ≈ HK$157,952/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,675
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,893
−HK$2,249/mo
Today · 4.125%
HK$87,142
baseline
▲ 0.50% · 4.625%
HK$91,735
+HK$4,593/mo
Deposit HK$10.86M · loan HK$16.30M · min. income ≈ HK$174,284/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,702
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,398
−HK$2,740/mo
Today · 4.125%
HK$92,138
baseline
▲ 0.50% · 4.625%
HK$97,745
+HK$5,607/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$184,276/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,455
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,041
−HK$2,625/mo
Today · 4.125%
HK$101,666
baseline
▲ 0.50% · 4.625%
HK$107,025
+HK$5,359/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$203,332/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,473
−HK$6,991/mo
▼ 0.25% · 3.875%
HK$114,941
−HK$3,523/mo
Today · 4.125%
HK$118,464
baseline
▲ 0.50% · 4.625%
HK$125,672
+HK$7,208/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$236,928/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,013
−HK$6,700/mo
▼ 0.25% · 3.875%
HK$127,339
−HK$3,374/mo
Today · 4.125%
HK$130,713
baseline
▲ 0.50% · 4.625%
HK$137,603
+HK$6,890/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$261,426/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,261 · Scale 2, in force from 26 Feb 2026)