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$61,956
−HK$3,886/mo
▼ 0.25% · 3.875%
HK$63,884
−HK$1,958/mo
Today · 4.125%
HK$65,842
baseline
▲ 0.50% · 4.625%
HK$69,848
+HK$4,006/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,684/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,926
−HK$3,724/mo
▼ 0.25% · 3.875%
HK$70,775
−HK$1,875/mo
Today · 4.125%
HK$72,650
baseline
▲ 0.50% · 4.625%
HK$76,479
+HK$3,829/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,300/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,348
−HK$4,662/mo
▼ 0.25% · 3.875%
HK$76,660
−HK$2,350/mo
Today · 4.125%
HK$79,010
baseline
▲ 0.50% · 4.625%
HK$83,818
+HK$4,808/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$158,020/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,711
−HK$4,469/mo
▼ 0.25% · 3.875%
HK$84,929
−HK$2,251/mo
Today · 4.125%
HK$87,180
baseline
▲ 0.50% · 4.625%
HK$91,775
+HK$4,595/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,360/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,739
−HK$5,439/mo
▼ 0.25% · 3.875%
HK$89,437
−HK$2,741/mo
Today · 4.125%
HK$92,178
baseline
▲ 0.50% · 4.625%
HK$97,787
+HK$5,609/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,356/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,496
−HK$5,214/mo
▼ 0.25% · 3.875%
HK$99,084
−HK$2,626/mo
Today · 4.125%
HK$101,710
baseline
▲ 0.50% · 4.625%
HK$107,071
+HK$5,361/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,420/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,154,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,522
−HK$6,993/mo
▼ 0.25% · 3.875%
HK$114,991
−HK$3,524/mo
Today · 4.125%
HK$118,515
baseline
▲ 0.50% · 4.625%
HK$125,726
+HK$7,211/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$237,030/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,067
−HK$6,703/mo
▼ 0.25% · 3.875%
HK$127,394
−HK$3,376/mo
Today · 4.125%
HK$130,770
baseline
▲ 0.50% · 4.625%
HK$137,663
+HK$6,893/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,540/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,761 · Scale 2, in force from 26 Feb 2026)