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$62,000
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,928
−HK$1,960/mo
Today · 4.125%
HK$65,888
baseline
▲ 0.50% · 4.625%
HK$69,897
+HK$4,009/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,776/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,974
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,824
−HK$1,877/mo
Today · 4.125%
HK$72,701
baseline
▲ 0.50% · 4.625%
HK$76,533
+HK$3,832/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,402/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,400
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,714
−HK$2,351/mo
Today · 4.125%
HK$79,065
baseline
▲ 0.50% · 4.625%
HK$83,876
+HK$4,811/mo
Deposit HK$10.88M · loan HK$16.31M · min. income ≈ HK$158,130/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,769
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,989
−HK$2,252/mo
Today · 4.125%
HK$87,241
baseline
▲ 0.50% · 4.625%
HK$91,839
+HK$4,598/mo
Deposit HK$10.88M · loan HK$16.31M · min. income ≈ HK$174,482/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,800
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$89,500
−HK$2,743/mo
Today · 4.125%
HK$92,243
baseline
▲ 0.50% · 4.625%
HK$97,856
+HK$5,613/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$184,486/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,564
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,154
−HK$2,627/mo
Today · 4.125%
HK$101,781
baseline
▲ 0.50% · 4.625%
HK$107,146
+HK$5,365/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$203,562/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,600
−HK$6,998/mo
▼ 0.25% · 3.875%
HK$115,071
−HK$3,527/mo
Today · 4.125%
HK$118,598
baseline
▲ 0.50% · 4.625%
HK$125,814
+HK$7,216/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$237,196/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,153
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$127,483
−HK$3,378/mo
Today · 4.125%
HK$130,861
baseline
▲ 0.50% · 4.625%
HK$137,759
+HK$6,898/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$261,722/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,568 · Scale 2, in force from 26 Feb 2026)