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$62,016
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,945
−HK$1,960/mo
Today · 4.125%
HK$65,905
baseline
▲ 0.50% · 4.625%
HK$69,915
+HK$4,010/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,810/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,992
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,842
−HK$1,877/mo
Today · 4.125%
HK$72,719
baseline
▲ 0.50% · 4.625%
HK$76,553
+HK$3,834/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,438/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,419
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,734
−HK$2,352/mo
Today · 4.125%
HK$79,086
baseline
▲ 0.50% · 4.625%
HK$83,898
+HK$4,812/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,172/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,790
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,011
−HK$2,252/mo
Today · 4.125%
HK$87,263
baseline
▲ 0.50% · 4.625%
HK$91,863
+HK$4,600/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,526/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,822
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,523
−HK$2,744/mo
Today · 4.125%
HK$92,267
baseline
▲ 0.50% · 4.625%
HK$97,881
+HK$5,614/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$184,534/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,589
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$99,179
−HK$2,628/mo
Today · 4.125%
HK$101,807
baseline
▲ 0.50% · 4.625%
HK$107,174
+HK$5,367/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$203,614/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,629
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$115,101
−HK$3,528/mo
Today · 4.125%
HK$118,629
baseline
▲ 0.50% · 4.625%
HK$125,847
+HK$7,218/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$237,258/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,186
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$127,516
−HK$3,379/mo
Today · 4.125%
HK$130,895
baseline
▲ 0.50% · 4.625%
HK$137,795
+HK$6,900/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$261,790/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,869 · Scale 2, in force from 26 Feb 2026)