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$61,960
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,887
−HK$1,958/mo
Today · 4.125%
HK$65,845
baseline
▲ 0.50% · 4.625%
HK$69,852
+HK$4,007/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,690/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,930
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,778
−HK$1,876/mo
Today · 4.125%
HK$72,654
baseline
▲ 0.50% · 4.625%
HK$76,483
+HK$3,829/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,308/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,352
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,665
−HK$2,349/mo
Today · 4.125%
HK$79,014
baseline
▲ 0.50% · 4.625%
HK$83,822
+HK$4,808/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$158,028/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,716
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,934
−HK$2,250/mo
Today · 4.125%
HK$87,184
baseline
▲ 0.50% · 4.625%
HK$91,780
+HK$4,596/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,368/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,744
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$89,442
−HK$2,741/mo
Today · 4.125%
HK$92,183
baseline
▲ 0.50% · 4.625%
HK$97,792
+HK$5,609/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,366/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,502
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,090
−HK$2,625/mo
Today · 4.125%
HK$101,715
baseline
▲ 0.50% · 4.625%
HK$107,077
+HK$5,362/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,430/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,528
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$114,997
−HK$3,524/mo
Today · 4.125%
HK$118,521
baseline
▲ 0.50% · 4.625%
HK$125,733
+HK$7,212/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$237,042/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,073
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,401
−HK$3,376/mo
Today · 4.125%
HK$130,777
baseline
▲ 0.50% · 4.625%
HK$137,670
+HK$6,893/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$261,554/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,823 · Scale 2, in force from 26 Feb 2026)