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$62,005
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,934
−HK$1,959/mo
Today · 4.125%
HK$65,893
baseline
▲ 0.50% · 4.625%
HK$69,903
+HK$4,010/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,786/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,980
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,830
−HK$1,877/mo
Today · 4.125%
HK$72,707
baseline
▲ 0.50% · 4.625%
HK$76,539
+HK$3,832/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,414/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,406
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,720
−HK$2,352/mo
Today · 4.125%
HK$79,072
baseline
▲ 0.50% · 4.625%
HK$83,883
+HK$4,811/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,144/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,776
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,996
−HK$2,252/mo
Today · 4.125%
HK$87,248
baseline
▲ 0.50% · 4.625%
HK$91,847
+HK$4,599/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,496/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,807
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$89,507
−HK$2,743/mo
Today · 4.125%
HK$92,250
baseline
▲ 0.50% · 4.625%
HK$97,864
+HK$5,614/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$184,500/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,572
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,162
−HK$2,627/mo
Today · 4.125%
HK$101,789
baseline
▲ 0.50% · 4.625%
HK$107,155
+HK$5,366/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$203,578/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,609
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$115,081
−HK$3,527/mo
Today · 4.125%
HK$118,608
baseline
▲ 0.50% · 4.625%
HK$125,825
+HK$7,217/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$237,216/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,164
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$127,494
−HK$3,378/mo
Today · 4.125%
HK$130,872
baseline
▲ 0.50% · 4.625%
HK$137,770
+HK$6,898/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$261,744/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,665 · Scale 2, in force from 26 Feb 2026)