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$61,976
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,904
−HK$1,959/mo
Today · 4.125%
HK$65,863
baseline
▲ 0.50% · 4.625%
HK$69,870
+HK$4,007/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,726/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,155,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,948
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,797
−HK$1,876/mo
Today · 4.125%
HK$72,673
baseline
▲ 0.50% · 4.625%
HK$76,504
+HK$3,831/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,346/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,155,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,372
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,685
−HK$2,350/mo
Today · 4.125%
HK$79,035
baseline
▲ 0.50% · 4.625%
HK$83,844
+HK$4,809/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$158,070/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,738
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,957
−HK$2,251/mo
Today · 4.125%
HK$87,208
baseline
▲ 0.50% · 4.625%
HK$91,805
+HK$4,597/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$174,416/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,767
−HK$5,441/mo
▼ 0.25% · 3.875%
HK$89,466
−HK$2,742/mo
Today · 4.125%
HK$92,208
baseline
▲ 0.50% · 4.625%
HK$97,819
+HK$5,611/mo
Deposit HK$8.15M · loan HK$19.03M · min. income ≈ HK$184,416/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,527
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,116
−HK$2,626/mo
Today · 4.125%
HK$101,742
baseline
▲ 0.50% · 4.625%
HK$107,105
+HK$5,363/mo
Deposit HK$8.15M · loan HK$19.03M · min. income ≈ HK$203,484/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,557
−HK$6,996/mo
▼ 0.25% · 3.875%
HK$115,027
−HK$3,526/mo
Today · 4.125%
HK$118,553
baseline
▲ 0.50% · 4.625%
HK$125,767
+HK$7,214/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$237,106/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,106
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$127,435
−HK$3,377/mo
Today · 4.125%
HK$130,812
baseline
▲ 0.50% · 4.625%
HK$137,707
+HK$6,895/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$261,624/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,131 · Scale 2, in force from 26 Feb 2026)