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$61,899
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,824
−HK$1,957/mo
Today · 4.125%
HK$65,781
baseline
▲ 0.50% · 4.625%
HK$69,783
+HK$4,002/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,562/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,862
−HK$3,720/mo
▼ 0.25% · 3.875%
HK$70,709
−HK$1,873/mo
Today · 4.125%
HK$72,582
baseline
▲ 0.50% · 4.625%
HK$76,408
+HK$3,826/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,164/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,279
−HK$4,658/mo
▼ 0.25% · 3.875%
HK$76,589
−HK$2,348/mo
Today · 4.125%
HK$78,937
baseline
▲ 0.50% · 4.625%
HK$83,740
+HK$4,803/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$157,874/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,634
−HK$4,465/mo
▼ 0.25% · 3.875%
HK$84,850
−HK$2,249/mo
Today · 4.125%
HK$87,099
baseline
▲ 0.50% · 4.625%
HK$91,690
+HK$4,591/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$174,198/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,658
−HK$5,435/mo
▼ 0.25% · 3.875%
HK$89,354
−HK$2,739/mo
Today · 4.125%
HK$92,093
baseline
▲ 0.50% · 4.625%
HK$97,696
+HK$5,603/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$184,186/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,407
−HK$5,208/mo
▼ 0.25% · 3.875%
HK$98,992
−HK$2,623/mo
Today · 4.125%
HK$101,615
baseline
▲ 0.50% · 4.625%
HK$106,971
+HK$5,356/mo
Deposit HK$8.14M · loan HK$19.00M · min. income ≈ HK$203,230/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,418
−HK$6,987/mo
▼ 0.25% · 3.875%
HK$114,884
−HK$3,521/mo
Today · 4.125%
HK$118,405
baseline
▲ 0.50% · 4.625%
HK$125,610
+HK$7,205/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$236,810/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,951
−HK$6,697/mo
▼ 0.25% · 3.875%
HK$127,276
−HK$3,372/mo
Today · 4.125%
HK$130,648
baseline
▲ 0.50% · 4.625%
HK$137,535
+HK$6,887/mo
Deposit HK$2.71M · loan HK$24.43M · min. income ≈ HK$261,296/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,688 · Scale 2, in force from 26 Feb 2026)