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$61,845
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,769
−HK$1,954/mo
Today · 4.125%
HK$65,723
baseline
▲ 0.50% · 4.625%
HK$69,722
+HK$3,999/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,446/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,802
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,647
−HK$1,872/mo
Today · 4.125%
HK$72,519
baseline
▲ 0.50% · 4.625%
HK$76,341
+HK$3,822/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$145,038/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,214
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,522
−HK$2,346/mo
Today · 4.125%
HK$78,868
baseline
▲ 0.50% · 4.625%
HK$83,667
+HK$4,799/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$157,736/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,562
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,776
−HK$2,247/mo
Today · 4.125%
HK$87,023
baseline
▲ 0.50% · 4.625%
HK$91,610
+HK$4,587/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$174,046/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,583
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$89,276
−HK$2,736/mo
Today · 4.125%
HK$92,012
baseline
▲ 0.50% · 4.625%
HK$97,611
+HK$5,599/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,024/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,322
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,906
−HK$2,620/mo
Today · 4.125%
HK$101,526
baseline
▲ 0.50% · 4.625%
HK$106,878
+HK$5,352/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$1,152,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,321
−HK$6,980/mo
▼ 0.25% · 3.875%
HK$114,783
−HK$3,518/mo
Today · 4.125%
HK$118,301
baseline
▲ 0.50% · 4.625%
HK$125,500
+HK$7,199/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$236,602/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,843
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$127,164
−HK$3,370/mo
Today · 4.125%
HK$130,534
baseline
▲ 0.50% · 4.625%
HK$137,415
+HK$6,881/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$261,068/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,679 · Scale 2, in force from 26 Feb 2026)