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$61,950
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,877
−HK$1,958/mo
Today · 4.125%
HK$65,835
baseline
▲ 0.50% · 4.625%
HK$69,841
+HK$4,006/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,670/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,919
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,768
−HK$1,875/mo
Today · 4.125%
HK$72,643
baseline
▲ 0.50% · 4.625%
HK$76,472
+HK$3,829/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,286/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,340
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,653
−HK$2,349/mo
Today · 4.125%
HK$79,002
baseline
▲ 0.50% · 4.625%
HK$83,809
+HK$4,807/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$158,004/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,703
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,921
−HK$2,250/mo
Today · 4.125%
HK$87,171
baseline
▲ 0.50% · 4.625%
HK$91,766
+HK$4,595/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,342/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,731
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,428
−HK$2,741/mo
Today · 4.125%
HK$92,169
baseline
▲ 0.50% · 4.625%
HK$97,778
+HK$5,609/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,338/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,487
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,075
−HK$2,625/mo
Today · 4.125%
HK$101,700
baseline
▲ 0.50% · 4.625%
HK$107,060
+HK$5,360/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,400/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,511
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$114,979
−HK$3,524/mo
Today · 4.125%
HK$118,503
baseline
▲ 0.50% · 4.625%
HK$125,714
+HK$7,211/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$237,006/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,055
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$127,382
−HK$3,375/mo
Today · 4.125%
HK$130,757
baseline
▲ 0.50% · 4.625%
HK$137,649
+HK$6,892/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,514/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,648 · Scale 2, in force from 26 Feb 2026)