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$61,936
−HK$3,884/mo
▼ 0.25% · 3.875%
HK$63,863
−HK$1,957/mo
Today · 4.125%
HK$65,820
baseline
▲ 0.50% · 4.625%
HK$69,825
+HK$4,005/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,640/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,903
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,751
−HK$1,875/mo
Today · 4.125%
HK$72,626
baseline
▲ 0.50% · 4.625%
HK$76,454
+HK$3,828/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,252/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,323
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,635
−HK$2,349/mo
Today · 4.125%
HK$78,984
baseline
▲ 0.50% · 4.625%
HK$83,790
+HK$4,806/mo
Deposit HK$10.86M · loan HK$16.30M · min. income ≈ HK$157,968/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,684
−HK$4,467/mo
▼ 0.25% · 3.875%
HK$84,902
−HK$2,249/mo
Today · 4.125%
HK$87,151
baseline
▲ 0.50% · 4.625%
HK$91,745
+HK$4,594/mo
Deposit HK$10.86M · loan HK$16.30M · min. income ≈ HK$174,302/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,711
−HK$5,437/mo
▼ 0.25% · 3.875%
HK$89,408
−HK$2,740/mo
Today · 4.125%
HK$92,148
baseline
▲ 0.50% · 4.625%
HK$97,755
+HK$5,607/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$184,296/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,465
−HK$5,211/mo
▼ 0.25% · 3.875%
HK$99,052
−HK$2,624/mo
Today · 4.125%
HK$101,676
baseline
▲ 0.50% · 4.625%
HK$107,036
+HK$5,360/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$203,352/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,485
−HK$6,991/mo
▼ 0.25% · 3.875%
HK$114,953
−HK$3,523/mo
Today · 4.125%
HK$118,476
baseline
▲ 0.50% · 4.625%
HK$125,685
+HK$7,209/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$236,952/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,026
−HK$6,701/mo
▼ 0.25% · 3.875%
HK$127,352
−HK$3,375/mo
Today · 4.125%
HK$130,727
baseline
▲ 0.50% · 4.625%
HK$137,618
+HK$6,891/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,454/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,382 · Scale 2, in force from 26 Feb 2026)