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$61,970
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,898
−HK$1,958/mo
Today · 4.125%
HK$65,856
baseline
▲ 0.50% · 4.625%
HK$69,863
+HK$4,007/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,712/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,155,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,941
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,790
−HK$1,876/mo
Today · 4.125%
HK$72,666
baseline
▲ 0.50% · 4.625%
HK$76,496
+HK$3,830/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,332/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,155,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,364
−HK$4,663/mo
▼ 0.25% · 3.875%
HK$76,677
−HK$2,350/mo
Today · 4.125%
HK$79,027
baseline
▲ 0.50% · 4.625%
HK$83,836
+HK$4,809/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$158,054/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,729
−HK$4,470/mo
▼ 0.25% · 3.875%
HK$84,948
−HK$2,251/mo
Today · 4.125%
HK$87,199
baseline
▲ 0.50% · 4.625%
HK$91,795
+HK$4,596/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$174,398/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,758
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,457
−HK$2,741/mo
Today · 4.125%
HK$92,198
baseline
▲ 0.50% · 4.625%
HK$97,808
+HK$5,610/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,396/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,517
−HK$5,215/mo
▼ 0.25% · 3.875%
HK$99,106
−HK$2,626/mo
Today · 4.125%
HK$101,732
baseline
▲ 0.50% · 4.625%
HK$107,094
+HK$5,362/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,464/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,546
−HK$6,995/mo
▼ 0.25% · 3.875%
HK$115,016
−HK$3,525/mo
Today · 4.125%
HK$118,541
baseline
▲ 0.50% · 4.625%
HK$125,754
+HK$7,213/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$237,082/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,094
−HK$6,704/mo
▼ 0.25% · 3.875%
HK$127,422
−HK$3,376/mo
Today · 4.125%
HK$130,798
baseline
▲ 0.50% · 4.625%
HK$137,693
+HK$6,895/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$261,596/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,011 · Scale 2, in force from 26 Feb 2026)