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$61,919
−HK$3,883/mo
▼ 0.25% · 3.875%
HK$63,845
−HK$1,957/mo
Today · 4.125%
HK$65,802
baseline
▲ 0.50% · 4.625%
HK$69,806
+HK$4,004/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,604/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,884
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,732
−HK$1,874/mo
Today · 4.125%
HK$72,606
baseline
▲ 0.50% · 4.625%
HK$76,433
+HK$3,827/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,212/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,154,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,303
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,614
−HK$2,348/mo
Today · 4.125%
HK$78,962
baseline
▲ 0.50% · 4.625%
HK$83,767
+HK$4,805/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$157,924/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,661
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,878
−HK$2,249/mo
Today · 4.125%
HK$87,127
baseline
▲ 0.50% · 4.625%
HK$91,720
+HK$4,593/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$174,254/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,687
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,383
−HK$2,740/mo
Today · 4.125%
HK$92,123
baseline
▲ 0.50% · 4.625%
HK$97,728
+HK$5,605/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$184,246/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,438
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,024
−HK$2,624/mo
Today · 4.125%
HK$101,648
baseline
▲ 0.50% · 4.625%
HK$107,006
+HK$5,358/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$203,296/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,454
−HK$6,989/mo
▼ 0.25% · 3.875%
HK$114,921
−HK$3,522/mo
Today · 4.125%
HK$118,443
baseline
▲ 0.50% · 4.625%
HK$125,650
+HK$7,207/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$236,886/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,992
−HK$6,699/mo
▼ 0.25% · 3.875%
HK$127,317
−HK$3,374/mo
Today · 4.125%
HK$130,691
baseline
▲ 0.50% · 4.625%
HK$137,579
+HK$6,888/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$261,382/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,062 · Scale 2, in force from 26 Feb 2026)