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$61,837
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,761
−HK$1,954/mo
Today · 4.125%
HK$65,715
baseline
▲ 0.50% · 4.625%
HK$69,714
+HK$3,999/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,430/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,794
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,639
−HK$1,871/mo
Today · 4.125%
HK$72,510
baseline
▲ 0.50% · 4.625%
HK$76,332
+HK$3,822/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$145,020/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,205
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$76,513
−HK$2,345/mo
Today · 4.125%
HK$78,858
baseline
▲ 0.50% · 4.625%
HK$83,657
+HK$4,799/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$157,716/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,552
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,766
−HK$2,246/mo
Today · 4.125%
HK$87,012
baseline
▲ 0.50% · 4.625%
HK$91,599
+HK$4,587/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$174,024/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,572
−HK$5,429/mo
▼ 0.25% · 3.875%
HK$89,265
−HK$2,736/mo
Today · 4.125%
HK$92,001
baseline
▲ 0.50% · 4.625%
HK$97,599
+HK$5,598/mo
Deposit HK$8.14M · loan HK$18.98M · min. income ≈ HK$184,002/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,311
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,894
−HK$2,620/mo
Today · 4.125%
HK$101,514
baseline
▲ 0.50% · 4.625%
HK$106,865
+HK$5,351/mo
Deposit HK$8.14M · loan HK$18.98M · min. income ≈ HK$203,028/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,307
−HK$6,980/mo
▼ 0.25% · 3.875%
HK$114,770
−HK$3,517/mo
Today · 4.125%
HK$118,287
baseline
▲ 0.50% · 4.625%
HK$125,485
+HK$7,198/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$236,574/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,828
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$127,149
−HK$3,370/mo
Today · 4.125%
HK$130,519
baseline
▲ 0.50% · 4.625%
HK$137,398
+HK$6,879/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$261,038/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,543 · Scale 2, in force from 26 Feb 2026)