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$61,871
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,796
−HK$1,955/mo
Today · 4.125%
HK$65,751
baseline
▲ 0.50% · 4.625%
HK$69,752
+HK$4,001/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,502/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,831
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,677
−HK$1,873/mo
Today · 4.125%
HK$72,550
baseline
▲ 0.50% · 4.625%
HK$76,374
+HK$3,824/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,100/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,246
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,555
−HK$2,347/mo
Today · 4.125%
HK$78,902
baseline
▲ 0.50% · 4.625%
HK$83,703
+HK$4,801/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$157,804/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,598
−HK$4,462/mo
▼ 0.25% · 3.875%
HK$84,813
−HK$2,247/mo
Today · 4.125%
HK$87,060
baseline
▲ 0.50% · 4.625%
HK$91,649
+HK$4,589/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$174,120/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,620
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,314
−HK$2,738/mo
Today · 4.125%
HK$92,052
baseline
▲ 0.50% · 4.625%
HK$97,653
+HK$5,601/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,104/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,364
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,948
−HK$2,622/mo
Today · 4.125%
HK$101,570
baseline
▲ 0.50% · 4.625%
HK$106,924
+HK$5,354/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$203,140/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,369
−HK$6,983/mo
▼ 0.25% · 3.875%
HK$114,833
−HK$3,519/mo
Today · 4.125%
HK$118,352
baseline
▲ 0.50% · 4.625%
HK$125,554
+HK$7,202/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$236,704/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,897
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$127,219
−HK$3,371/mo
Today · 4.125%
HK$130,590
baseline
▲ 0.50% · 4.625%
HK$137,474
+HK$6,884/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$261,180/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,177 · Scale 2, in force from 26 Feb 2026)