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$62,004
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,933
−HK$1,959/mo
Today · 4.125%
HK$65,892
baseline
▲ 0.50% · 4.625%
HK$69,902
+HK$4,010/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,784/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,979
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,829
−HK$1,877/mo
Today · 4.125%
HK$72,706
baseline
▲ 0.50% · 4.625%
HK$76,538
+HK$3,832/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,412/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,405
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,720
−HK$2,351/mo
Today · 4.125%
HK$79,071
baseline
▲ 0.50% · 4.625%
HK$83,882
+HK$4,811/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,142/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,775
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,995
−HK$2,252/mo
Today · 4.125%
HK$87,247
baseline
▲ 0.50% · 4.625%
HK$91,846
+HK$4,599/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,494/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,806
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$89,506
−HK$2,743/mo
Today · 4.125%
HK$92,249
baseline
▲ 0.50% · 4.625%
HK$97,863
+HK$5,614/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$184,498/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,571
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,161
−HK$2,627/mo
Today · 4.125%
HK$101,788
baseline
▲ 0.50% · 4.625%
HK$107,154
+HK$5,366/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$203,576/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,608
−HK$6,998/mo
▼ 0.25% · 3.875%
HK$115,079
−HK$3,527/mo
Today · 4.125%
HK$118,606
baseline
▲ 0.50% · 4.625%
HK$125,823
+HK$7,217/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$237,212/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,162
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$127,492
−HK$3,378/mo
Today · 4.125%
HK$130,870
baseline
▲ 0.50% · 4.625%
HK$137,769
+HK$6,899/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$261,740/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,651 · Scale 2, in force from 26 Feb 2026)