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$61,886
−HK$3,881/mo
▼ 0.25% · 3.875%
HK$63,811
−HK$1,956/mo
Today · 4.125%
HK$65,767
baseline
▲ 0.50% · 4.625%
HK$69,769
+HK$4,002/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,534/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,848
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$70,694
−HK$1,874/mo
Today · 4.125%
HK$72,568
baseline
▲ 0.50% · 4.625%
HK$76,393
+HK$3,825/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,136/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,264
−HK$4,657/mo
▼ 0.25% · 3.875%
HK$76,574
−HK$2,347/mo
Today · 4.125%
HK$78,921
baseline
▲ 0.50% · 4.625%
HK$83,723
+HK$4,802/mo
Deposit HK$10.86M · loan HK$16.28M · min. income ≈ HK$157,842/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,618
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,833
−HK$2,248/mo
Today · 4.125%
HK$87,081
baseline
▲ 0.50% · 4.625%
HK$91,671
+HK$4,590/mo
Deposit HK$10.86M · loan HK$16.28M · min. income ≈ HK$174,162/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,641
−HK$5,433/mo
▼ 0.25% · 3.875%
HK$89,336
−HK$2,738/mo
Today · 4.125%
HK$92,074
baseline
▲ 0.50% · 4.625%
HK$97,677
+HK$5,603/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$184,148/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,387
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$98,972
−HK$2,623/mo
Today · 4.125%
HK$101,595
baseline
▲ 0.50% · 4.625%
HK$106,950
+HK$5,355/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$203,190/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,395
−HK$6,986/mo
▼ 0.25% · 3.875%
HK$114,860
−HK$3,521/mo
Today · 4.125%
HK$118,381
baseline
▲ 0.50% · 4.625%
HK$125,584
+HK$7,203/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$236,762/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,926
−HK$6,696/mo
▼ 0.25% · 3.875%
HK$127,250
−HK$3,372/mo
Today · 4.125%
HK$130,622
baseline
▲ 0.50% · 4.625%
HK$137,507
+HK$6,885/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$261,244/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,454 · Scale 2, in force from 26 Feb 2026)