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$62,004
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,932
−HK$1,960/mo
Today · 4.125%
HK$65,892
baseline
▲ 0.50% · 4.625%
HK$69,901
+HK$4,009/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,784/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,979
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,829
−HK$1,876/mo
Today · 4.125%
HK$72,705
baseline
▲ 0.50% · 4.625%
HK$76,538
+HK$3,833/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,410/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,405
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,719
−HK$2,351/mo
Today · 4.125%
HK$79,070
baseline
▲ 0.50% · 4.625%
HK$83,882
+HK$4,812/mo
Deposit HK$10.88M · loan HK$16.31M · min. income ≈ HK$158,140/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,774
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,994
−HK$2,252/mo
Today · 4.125%
HK$87,246
baseline
▲ 0.50% · 4.625%
HK$91,845
+HK$4,599/mo
Deposit HK$10.88M · loan HK$16.31M · min. income ≈ HK$174,492/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,805
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$89,505
−HK$2,744/mo
Today · 4.125%
HK$92,249
baseline
▲ 0.50% · 4.625%
HK$97,862
+HK$5,613/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$184,498/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,570
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,160
−HK$2,627/mo
Today · 4.125%
HK$101,787
baseline
▲ 0.50% · 4.625%
HK$107,153
+HK$5,366/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$203,574/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,607
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$115,078
−HK$3,528/mo
Today · 4.125%
HK$118,606
baseline
▲ 0.50% · 4.625%
HK$125,822
+HK$7,216/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$237,212/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,161
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$127,491
−HK$3,378/mo
Today · 4.125%
HK$130,869
baseline
▲ 0.50% · 4.625%
HK$137,768
+HK$6,899/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$261,738/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,642 · Scale 2, in force from 26 Feb 2026)