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$61,956
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,883
−HK$1,958/mo
Today · 4.125%
HK$65,841
baseline
▲ 0.50% · 4.625%
HK$69,847
+HK$4,006/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,682/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,925
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,774
−HK$1,875/mo
Today · 4.125%
HK$72,649
baseline
▲ 0.50% · 4.625%
HK$76,478
+HK$3,829/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,298/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,347
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,660
−HK$2,349/mo
Today · 4.125%
HK$79,009
baseline
▲ 0.50% · 4.625%
HK$83,817
+HK$4,808/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$158,018/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,710
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,928
−HK$2,251/mo
Today · 4.125%
HK$87,179
baseline
▲ 0.50% · 4.625%
HK$91,774
+HK$4,595/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,358/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,738
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$89,436
−HK$2,741/mo
Today · 4.125%
HK$92,177
baseline
▲ 0.50% · 4.625%
HK$97,786
+HK$5,609/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,354/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,495
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,083
−HK$2,626/mo
Today · 4.125%
HK$101,709
baseline
▲ 0.50% · 4.625%
HK$107,070
+HK$5,361/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,418/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,520
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$114,989
−HK$3,525/mo
Today · 4.125%
HK$118,514
baseline
▲ 0.50% · 4.625%
HK$125,725
+HK$7,211/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$237,028/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,065
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$127,393
−HK$3,375/mo
Today · 4.125%
HK$130,768
baseline
▲ 0.50% · 4.625%
HK$137,661
+HK$6,893/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,536/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,748 · Scale 2, in force from 26 Feb 2026)