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$62,008
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,937
−HK$1,959/mo
Today · 4.125%
HK$65,896
baseline
▲ 0.50% · 4.625%
HK$69,906
+HK$4,010/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,792/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,983
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,833
−HK$1,877/mo
Today · 4.125%
HK$72,710
baseline
▲ 0.50% · 4.625%
HK$76,543
+HK$3,833/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,420/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,409
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,724
−HK$2,352/mo
Today · 4.125%
HK$79,076
baseline
▲ 0.50% · 4.625%
HK$83,887
+HK$4,811/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,152/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,780
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$85,000
−HK$2,252/mo
Today · 4.125%
HK$87,252
baseline
▲ 0.50% · 4.625%
HK$91,851
+HK$4,599/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,504/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,811
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$89,511
−HK$2,744/mo
Today · 4.125%
HK$92,255
baseline
▲ 0.50% · 4.625%
HK$97,868
+HK$5,613/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$184,510/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,576
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$99,166
−HK$2,628/mo
Today · 4.125%
HK$101,794
baseline
▲ 0.50% · 4.625%
HK$107,160
+HK$5,366/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$203,588/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,614
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$115,086
−HK$3,527/mo
Today · 4.125%
HK$118,613
baseline
▲ 0.50% · 4.625%
HK$125,831
+HK$7,218/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$237,226/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,170
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$127,500
−HK$3,378/mo
Today · 4.125%
HK$130,878
baseline
▲ 0.50% · 4.625%
HK$137,777
+HK$6,899/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$261,756/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,718 · Scale 2, in force from 26 Feb 2026)