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$61,954
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,881
−HK$1,958/mo
Today · 4.125%
HK$65,839
baseline
▲ 0.50% · 4.625%
HK$69,845
+HK$4,006/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,678/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,923
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,772
−HK$1,875/mo
Today · 4.125%
HK$72,647
baseline
▲ 0.50% · 4.625%
HK$76,476
+HK$3,829/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,294/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,345
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,657
−HK$2,350/mo
Today · 4.125%
HK$79,007
baseline
▲ 0.50% · 4.625%
HK$83,814
+HK$4,807/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$158,014/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,708
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,926
−HK$2,250/mo
Today · 4.125%
HK$87,176
baseline
▲ 0.50% · 4.625%
HK$91,772
+HK$4,596/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,352/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,736
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$89,434
−HK$2,741/mo
Today · 4.125%
HK$92,175
baseline
▲ 0.50% · 4.625%
HK$97,783
+HK$5,608/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,350/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,493
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,081
−HK$2,625/mo
Today · 4.125%
HK$101,706
baseline
▲ 0.50% · 4.625%
HK$107,067
+HK$5,361/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,412/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,517
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$114,986
−HK$3,524/mo
Today · 4.125%
HK$118,510
baseline
▲ 0.50% · 4.625%
HK$125,722
+HK$7,212/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$237,020/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,062
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$127,389
−HK$3,376/mo
Today · 4.125%
HK$130,765
baseline
▲ 0.50% · 4.625%
HK$137,657
+HK$6,892/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,530/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,717 · Scale 2, in force from 26 Feb 2026)