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$61,996
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,925
−HK$1,959/mo
Today · 4.125%
HK$65,884
baseline
▲ 0.50% · 4.625%
HK$69,893
+HK$4,009/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,768/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,970
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,820
−HK$1,876/mo
Today · 4.125%
HK$72,696
baseline
▲ 0.50% · 4.625%
HK$76,528
+HK$3,832/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,392/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,395
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,709
−HK$2,352/mo
Today · 4.125%
HK$79,061
baseline
▲ 0.50% · 4.625%
HK$83,871
+HK$4,810/mo
Deposit HK$10.88M · loan HK$16.31M · min. income ≈ HK$158,122/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,764
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,984
−HK$2,252/mo
Today · 4.125%
HK$87,236
baseline
▲ 0.50% · 4.625%
HK$91,834
+HK$4,598/mo
Deposit HK$10.88M · loan HK$16.31M · min. income ≈ HK$174,472/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,795
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,494
−HK$2,743/mo
Today · 4.125%
HK$92,237
baseline
▲ 0.50% · 4.625%
HK$97,850
+HK$5,613/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$184,474/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,558
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,148
−HK$2,627/mo
Today · 4.125%
HK$101,775
baseline
▲ 0.50% · 4.625%
HK$107,139
+HK$5,364/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$203,550/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,593
−HK$6,998/mo
▼ 0.25% · 3.875%
HK$115,064
−HK$3,527/mo
Today · 4.125%
HK$118,591
baseline
▲ 0.50% · 4.625%
HK$125,807
+HK$7,216/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$237,182/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,146
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$127,476
−HK$3,377/mo
Today · 4.125%
HK$130,853
baseline
▲ 0.50% · 4.625%
HK$137,751
+HK$6,898/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$261,706/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,500 · Scale 2, in force from 26 Feb 2026)