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$61,875
−HK$3,880/mo
▼ 0.25% · 3.875%
HK$63,800
−HK$1,955/mo
Today · 4.125%
HK$65,755
baseline
▲ 0.50% · 4.625%
HK$69,756
+HK$4,001/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,510/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,835
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,682
−HK$1,872/mo
Today · 4.125%
HK$72,554
baseline
▲ 0.50% · 4.625%
HK$76,379
+HK$3,825/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,108/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,250
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,560
−HK$2,346/mo
Today · 4.125%
HK$78,906
baseline
▲ 0.50% · 4.625%
HK$83,707
+HK$4,801/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$157,812/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,602
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,818
−HK$2,247/mo
Today · 4.125%
HK$87,065
baseline
▲ 0.50% · 4.625%
HK$91,655
+HK$4,590/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$174,130/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,625
−HK$5,432/mo
▼ 0.25% · 3.875%
HK$89,320
−HK$2,737/mo
Today · 4.125%
HK$92,057
baseline
▲ 0.50% · 4.625%
HK$97,659
+HK$5,602/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,114/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,370
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,954
−HK$2,622/mo
Today · 4.125%
HK$101,576
baseline
▲ 0.50% · 4.625%
HK$106,930
+HK$5,354/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$203,152/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,375
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$114,840
−HK$3,519/mo
Today · 4.125%
HK$118,359
baseline
▲ 0.50% · 4.625%
HK$125,561
+HK$7,202/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$236,718/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,904
−HK$6,694/mo
▼ 0.25% · 3.875%
HK$127,227
−HK$3,371/mo
Today · 4.125%
HK$130,598
baseline
▲ 0.50% · 4.625%
HK$137,482
+HK$6,884/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$261,196/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,244 · Scale 2, in force from 26 Feb 2026)