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$62,038
−HK$3,890/mo
▼ 0.25% · 3.875%
HK$63,967
−HK$1,961/mo
Today · 4.125%
HK$65,928
baseline
▲ 0.50% · 4.625%
HK$69,939
+HK$4,011/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,856/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$69,016
−HK$3,729/mo
▼ 0.25% · 3.875%
HK$70,867
−HK$1,878/mo
Today · 4.125%
HK$72,745
baseline
▲ 0.50% · 4.625%
HK$76,579
+HK$3,834/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,490/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,156,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,445
−HK$4,668/mo
▼ 0.25% · 3.875%
HK$76,761
−HK$2,352/mo
Today · 4.125%
HK$79,113
baseline
▲ 0.50% · 4.625%
HK$83,927
+HK$4,814/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,226/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,819
−HK$4,475/mo
▼ 0.25% · 3.875%
HK$85,041
−HK$2,253/mo
Today · 4.125%
HK$87,294
baseline
▲ 0.50% · 4.625%
HK$91,895
+HK$4,601/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,588/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,156,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,853
−HK$5,446/mo
▼ 0.25% · 3.875%
HK$89,554
−HK$2,745/mo
Today · 4.125%
HK$92,299
baseline
▲ 0.50% · 4.625%
HK$97,915
+HK$5,616/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$184,598/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,623
−HK$5,220/mo
▼ 0.25% · 3.875%
HK$99,214
−HK$2,629/mo
Today · 4.125%
HK$101,843
baseline
▲ 0.50% · 4.625%
HK$107,211
+HK$5,368/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$203,686/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,156,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,668
−HK$7,002/mo
▼ 0.25% · 3.875%
HK$115,141
−HK$3,529/mo
Today · 4.125%
HK$118,670
baseline
▲ 0.50% · 4.625%
HK$125,891
+HK$7,221/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$237,340/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,229
−HK$6,712/mo
▼ 0.25% · 3.875%
HK$127,561
−HK$3,380/mo
Today · 4.125%
HK$130,941
baseline
▲ 0.50% · 4.625%
HK$137,843
+HK$6,902/mo
Deposit HK$2.72M · loan HK$24.49M · min. income ≈ HK$261,882/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,156,273 · Scale 2, in force from 26 Feb 2026)