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$62,001
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,930
−HK$1,959/mo
Today · 4.125%
HK$65,889
baseline
▲ 0.50% · 4.625%
HK$69,898
+HK$4,009/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,778/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,975
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,825
−HK$1,877/mo
Today · 4.125%
HK$72,702
baseline
▲ 0.50% · 4.625%
HK$76,534
+HK$3,832/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,404/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,401
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,715
−HK$2,352/mo
Today · 4.125%
HK$79,067
baseline
▲ 0.50% · 4.625%
HK$83,878
+HK$4,811/mo
Deposit HK$10.88M · loan HK$16.31M · min. income ≈ HK$158,134/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,771
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,990
−HK$2,252/mo
Today · 4.125%
HK$87,242
baseline
▲ 0.50% · 4.625%
HK$91,841
+HK$4,599/mo
Deposit HK$10.88M · loan HK$16.31M · min. income ≈ HK$174,484/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,801
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$89,501
−HK$2,744/mo
Today · 4.125%
HK$92,245
baseline
▲ 0.50% · 4.625%
HK$97,857
+HK$5,612/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$184,490/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,566
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,156
−HK$2,627/mo
Today · 4.125%
HK$101,783
baseline
▲ 0.50% · 4.625%
HK$107,148
+HK$5,365/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$203,566/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,602
−HK$6,998/mo
▼ 0.25% · 3.875%
HK$115,073
−HK$3,527/mo
Today · 4.125%
HK$118,600
baseline
▲ 0.50% · 4.625%
HK$125,817
+HK$7,217/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$237,200/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,156
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$127,486
−HK$3,378/mo
Today · 4.125%
HK$130,864
baseline
▲ 0.50% · 4.625%
HK$137,762
+HK$6,898/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$261,728/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,591 · Scale 2, in force from 26 Feb 2026)