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$61,909
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,835
−HK$1,956/mo
Today · 4.125%
HK$65,791
baseline
▲ 0.50% · 4.625%
HK$69,794
+HK$4,003/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,582/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,873
−HK$3,721/mo
▼ 0.25% · 3.875%
HK$70,720
−HK$1,874/mo
Today · 4.125%
HK$72,594
baseline
▲ 0.50% · 4.625%
HK$76,421
+HK$3,827/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,188/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,291
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,602
−HK$2,347/mo
Today · 4.125%
HK$78,949
baseline
▲ 0.50% · 4.625%
HK$83,753
+HK$4,804/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$157,898/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,648
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,864
−HK$2,249/mo
Today · 4.125%
HK$87,113
baseline
▲ 0.50% · 4.625%
HK$91,705
+HK$4,592/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$174,226/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,673
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,369
−HK$2,739/mo
Today · 4.125%
HK$92,108
baseline
▲ 0.50% · 4.625%
HK$97,712
+HK$5,604/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$184,216/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,422
−HK$5,210/mo
▼ 0.25% · 3.875%
HK$99,008
−HK$2,624/mo
Today · 4.125%
HK$101,632
baseline
▲ 0.50% · 4.625%
HK$106,989
+HK$5,357/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$203,264/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,436
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$114,902
−HK$3,522/mo
Today · 4.125%
HK$118,424
baseline
▲ 0.50% · 4.625%
HK$125,630
+HK$7,206/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$236,848/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,972
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$127,296
−HK$3,373/mo
Today · 4.125%
HK$130,669
baseline
▲ 0.50% · 4.625%
HK$137,557
+HK$6,888/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$261,338/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,875 · Scale 2, in force from 26 Feb 2026)