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$61,942
−HK$3,885/mo
▼ 0.25% · 3.875%
HK$63,869
−HK$1,958/mo
Today · 4.125%
HK$65,827
baseline
▲ 0.50% · 4.625%
HK$69,832
+HK$4,005/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,654/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,910
−HK$3,723/mo
▼ 0.25% · 3.875%
HK$70,758
−HK$1,875/mo
Today · 4.125%
HK$72,633
baseline
▲ 0.50% · 4.625%
HK$76,462
+HK$3,829/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,266/mo (50% DSR)
Upfront cash ≈ HK$14.74M (deposit + AVD stamp duty HK$1,154,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,331
−HK$4,661/mo
▼ 0.25% · 3.875%
HK$76,643
−HK$2,349/mo
Today · 4.125%
HK$78,992
baseline
▲ 0.50% · 4.625%
HK$83,798
+HK$4,806/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$157,984/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,692
−HK$4,468/mo
▼ 0.25% · 3.875%
HK$84,910
−HK$2,250/mo
Today · 4.125%
HK$87,160
baseline
▲ 0.50% · 4.625%
HK$91,754
+HK$4,594/mo
Deposit HK$10.87M · loan HK$16.30M · min. income ≈ HK$174,320/mo (50% DSR)
Upfront cash ≈ HK$12.02M (deposit + AVD stamp duty HK$1,154,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,719
−HK$5,438/mo
▼ 0.25% · 3.875%
HK$89,417
−HK$2,740/mo
Today · 4.125%
HK$92,157
baseline
▲ 0.50% · 4.625%
HK$97,765
+HK$5,608/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$184,314/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,474
−HK$5,212/mo
▼ 0.25% · 3.875%
HK$99,062
−HK$2,624/mo
Today · 4.125%
HK$101,686
baseline
▲ 0.50% · 4.625%
HK$107,047
+HK$5,361/mo
Deposit HK$8.15M · loan HK$19.02M · min. income ≈ HK$203,372/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,154,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,496
−HK$6,992/mo
▼ 0.25% · 3.875%
HK$114,964
−HK$3,524/mo
Today · 4.125%
HK$118,488
baseline
▲ 0.50% · 4.625%
HK$125,698
+HK$7,210/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$236,976/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,038
−HK$6,702/mo
▼ 0.25% · 3.875%
HK$127,365
−HK$3,375/mo
Today · 4.125%
HK$130,740
baseline
▲ 0.50% · 4.625%
HK$137,631
+HK$6,891/mo
Deposit HK$2.72M · loan HK$24.45M · min. income ≈ HK$261,480/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,154,497 · Scale 2, in force from 26 Feb 2026)