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$61,850
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,774
−HK$1,955/mo
Today · 4.125%
HK$65,729
baseline
▲ 0.50% · 4.625%
HK$69,728
+HK$3,999/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,458/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,808
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,653
−HK$1,872/mo
Today · 4.125%
HK$72,525
baseline
▲ 0.50% · 4.625%
HK$76,348
+HK$3,823/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$145,050/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,220
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,529
−HK$2,346/mo
Today · 4.125%
HK$78,875
baseline
▲ 0.50% · 4.625%
HK$83,674
+HK$4,799/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$157,750/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,569
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,784
−HK$2,246/mo
Today · 4.125%
HK$87,030
baseline
▲ 0.50% · 4.625%
HK$91,618
+HK$4,588/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$174,060/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,590
−HK$5,430/mo
▼ 0.25% · 3.875%
HK$89,284
−HK$2,736/mo
Today · 4.125%
HK$92,020
baseline
▲ 0.50% · 4.625%
HK$97,620
+HK$5,600/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,040/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,331
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,914
−HK$2,621/mo
Today · 4.125%
HK$101,535
baseline
▲ 0.50% · 4.625%
HK$106,887
+HK$5,352/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$203,070/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,330
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$114,793
−HK$3,519/mo
Today · 4.125%
HK$118,312
baseline
▲ 0.50% · 4.625%
HK$125,511
+HK$7,199/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$236,624/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,152,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,854
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$127,176
−HK$3,369/mo
Today · 4.125%
HK$130,545
baseline
▲ 0.50% · 4.625%
HK$137,427
+HK$6,882/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$261,090/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,152,781 · Scale 2, in force from 26 Feb 2026)