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$62,002
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,930
−HK$1,960/mo
Today · 4.125%
HK$65,890
baseline
▲ 0.50% · 4.625%
HK$69,899
+HK$4,009/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,780/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,976
−HK$3,727/mo
▼ 0.25% · 3.875%
HK$70,826
−HK$1,877/mo
Today · 4.125%
HK$72,703
baseline
▲ 0.50% · 4.625%
HK$76,535
+HK$3,832/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,406/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,402
−HK$4,666/mo
▼ 0.25% · 3.875%
HK$76,717
−HK$2,351/mo
Today · 4.125%
HK$79,068
baseline
▲ 0.50% · 4.625%
HK$83,879
+HK$4,811/mo
Deposit HK$10.88M · loan HK$16.31M · min. income ≈ HK$158,136/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,772
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,992
−HK$2,252/mo
Today · 4.125%
HK$87,244
baseline
▲ 0.50% · 4.625%
HK$91,842
+HK$4,598/mo
Deposit HK$10.88M · loan HK$16.31M · min. income ≈ HK$174,488/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,803
−HK$5,443/mo
▼ 0.25% · 3.875%
HK$89,503
−HK$2,743/mo
Today · 4.125%
HK$92,246
baseline
▲ 0.50% · 4.625%
HK$97,859
+HK$5,613/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$184,492/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,567
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,157
−HK$2,627/mo
Today · 4.125%
HK$101,784
baseline
▲ 0.50% · 4.625%
HK$107,149
+HK$5,365/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$203,568/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,603
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$115,075
−HK$3,527/mo
Today · 4.125%
HK$118,602
baseline
▲ 0.50% · 4.625%
HK$125,818
+HK$7,216/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$237,204/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,158
−HK$6,707/mo
▼ 0.25% · 3.875%
HK$127,487
−HK$3,378/mo
Today · 4.125%
HK$130,865
baseline
▲ 0.50% · 4.625%
HK$137,764
+HK$6,899/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$261,730/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,607 · Scale 2, in force from 26 Feb 2026)