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$61,921
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,847
−HK$1,957/mo
Today · 4.125%
HK$65,804
baseline
▲ 0.50% · 4.625%
HK$69,808
+HK$4,004/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,608/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,886
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,734
−HK$1,874/mo
Today · 4.125%
HK$72,608
baseline
▲ 0.50% · 4.625%
HK$76,435
+HK$3,827/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,216/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,305
−HK$4,660/mo
▼ 0.25% · 3.875%
HK$76,616
−HK$2,349/mo
Today · 4.125%
HK$78,965
baseline
▲ 0.50% · 4.625%
HK$83,769
+HK$4,804/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$157,930/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,664
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,881
−HK$2,249/mo
Today · 4.125%
HK$87,130
baseline
▲ 0.50% · 4.625%
HK$91,722
+HK$4,592/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$174,260/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,689
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,386
−HK$2,739/mo
Today · 4.125%
HK$92,125
baseline
▲ 0.50% · 4.625%
HK$97,731
+HK$5,606/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$184,250/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,441
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,027
−HK$2,624/mo
Today · 4.125%
HK$101,651
baseline
▲ 0.50% · 4.625%
HK$107,009
+HK$5,358/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$203,302/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,457
−HK$6,990/mo
▼ 0.25% · 3.875%
HK$114,924
−HK$3,523/mo
Today · 4.125%
HK$118,447
baseline
▲ 0.50% · 4.625%
HK$125,654
+HK$7,207/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$236,894/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,995
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$127,321
−HK$3,373/mo
Today · 4.125%
HK$130,694
baseline
▲ 0.50% · 4.625%
HK$137,584
+HK$6,890/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$261,388/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,097 · Scale 2, in force from 26 Feb 2026)