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$61,855
−HK$3,878/mo
▼ 0.25% · 3.875%
HK$63,779
−HK$1,954/mo
Today · 4.125%
HK$65,733
baseline
▲ 0.50% · 4.625%
HK$69,733
+HK$4,000/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,466/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,152,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,813
−HK$3,717/mo
▼ 0.25% · 3.875%
HK$70,658
−HK$1,872/mo
Today · 4.125%
HK$72,530
baseline
▲ 0.50% · 4.625%
HK$76,353
+HK$3,823/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$145,060/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,152,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,225
−HK$4,655/mo
▼ 0.25% · 3.875%
HK$76,534
−HK$2,346/mo
Today · 4.125%
HK$78,880
baseline
▲ 0.50% · 4.625%
HK$83,680
+HK$4,800/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$157,760/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,575
−HK$4,461/mo
▼ 0.25% · 3.875%
HK$84,790
−HK$2,246/mo
Today · 4.125%
HK$87,036
baseline
▲ 0.50% · 4.625%
HK$91,624
+HK$4,588/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$174,072/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,596
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$89,290
−HK$2,737/mo
Today · 4.125%
HK$92,027
baseline
▲ 0.50% · 4.625%
HK$97,626
+HK$5,599/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,054/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,338
−HK$5,204/mo
▼ 0.25% · 3.875%
HK$98,921
−HK$2,621/mo
Today · 4.125%
HK$101,542
baseline
▲ 0.50% · 4.625%
HK$106,895
+HK$5,353/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$203,084/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,338
−HK$6,982/mo
▼ 0.25% · 3.875%
HK$114,801
−HK$3,519/mo
Today · 4.125%
HK$118,320
baseline
▲ 0.50% · 4.625%
HK$125,520
+HK$7,200/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$236,640/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,152,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,863
−HK$6,691/mo
▼ 0.25% · 3.875%
HK$127,184
−HK$3,370/mo
Today · 4.125%
HK$130,554
baseline
▲ 0.50% · 4.625%
HK$137,436
+HK$6,882/mo
Deposit HK$2.71M · loan HK$24.41M · min. income ≈ HK$261,108/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,152,861 · Scale 2, in force from 26 Feb 2026)