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$61,891
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,817
−HK$1,956/mo
Today · 4.125%
HK$65,773
baseline
▲ 0.50% · 4.625%
HK$69,775
+HK$4,002/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,546/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,854
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$70,700
−HK$1,874/mo
Today · 4.125%
HK$72,574
baseline
▲ 0.50% · 4.625%
HK$76,399
+HK$3,825/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,148/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,270
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,580
−HK$2,347/mo
Today · 4.125%
HK$78,927
baseline
▲ 0.50% · 4.625%
HK$83,730
+HK$4,803/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$157,854/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,624
−HK$4,464/mo
▼ 0.25% · 3.875%
HK$84,840
−HK$2,248/mo
Today · 4.125%
HK$87,088
baseline
▲ 0.50% · 4.625%
HK$91,679
+HK$4,591/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$174,176/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,648
−HK$5,434/mo
▼ 0.25% · 3.875%
HK$89,343
−HK$2,739/mo
Today · 4.125%
HK$92,082
baseline
▲ 0.50% · 4.625%
HK$97,685
+HK$5,603/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$184,164/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,395
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$98,980
−HK$2,623/mo
Today · 4.125%
HK$101,603
baseline
▲ 0.50% · 4.625%
HK$106,959
+HK$5,356/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$203,206/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,405
−HK$6,986/mo
▼ 0.25% · 3.875%
HK$114,870
−HK$3,521/mo
Today · 4.125%
HK$118,391
baseline
▲ 0.50% · 4.625%
HK$125,594
+HK$7,203/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$236,782/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,936
−HK$6,696/mo
▼ 0.25% · 3.875%
HK$127,260
−HK$3,372/mo
Today · 4.125%
HK$130,632
baseline
▲ 0.50% · 4.625%
HK$137,518
+HK$6,886/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$261,264/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,549 · Scale 2, in force from 26 Feb 2026)