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$61,957
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,885
−HK$1,958/mo
Today · 4.125%
HK$65,843
baseline
▲ 0.50% · 4.625%
HK$69,849
+HK$4,006/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,686/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,927
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,776
−HK$1,875/mo
Today · 4.125%
HK$72,651
baseline
▲ 0.50% · 4.625%
HK$76,480
+HK$3,829/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,302/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,349
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,662
−HK$2,349/mo
Today · 4.125%
HK$79,011
baseline
▲ 0.50% · 4.625%
HK$83,819
+HK$4,808/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$158,022/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,712
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,931
−HK$2,250/mo
Today · 4.125%
HK$87,181
baseline
▲ 0.50% · 4.625%
HK$91,776
+HK$4,595/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,362/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,740
−HK$5,440/mo
▼ 0.25% · 3.875%
HK$89,438
−HK$2,742/mo
Today · 4.125%
HK$92,180
baseline
▲ 0.50% · 4.625%
HK$97,789
+HK$5,609/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,360/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,498
−HK$5,213/mo
▼ 0.25% · 3.875%
HK$99,086
−HK$2,625/mo
Today · 4.125%
HK$101,711
baseline
▲ 0.50% · 4.625%
HK$107,073
+HK$5,362/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,422/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,523
−HK$6,994/mo
▼ 0.25% · 3.875%
HK$114,992
−HK$3,525/mo
Today · 4.125%
HK$118,517
baseline
▲ 0.50% · 4.625%
HK$125,728
+HK$7,211/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$237,034/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,069
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$127,396
−HK$3,376/mo
Today · 4.125%
HK$130,772
baseline
▲ 0.50% · 4.625%
HK$137,665
+HK$6,893/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,544/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,778 · Scale 2, in force from 26 Feb 2026)