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$62,003
−HK$3,888/mo
▼ 0.25% · 3.875%
HK$63,932
−HK$1,959/mo
Today · 4.125%
HK$65,891
baseline
▲ 0.50% · 4.625%
HK$69,900
+HK$4,009/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,782/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,978
−HK$3,726/mo
▼ 0.25% · 3.875%
HK$70,828
−HK$1,876/mo
Today · 4.125%
HK$72,704
baseline
▲ 0.50% · 4.625%
HK$76,537
+HK$3,833/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,408/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,404
−HK$4,665/mo
▼ 0.25% · 3.875%
HK$76,718
−HK$2,351/mo
Today · 4.125%
HK$79,069
baseline
▲ 0.50% · 4.625%
HK$83,881
+HK$4,812/mo
Deposit HK$10.88M · loan HK$16.31M · min. income ≈ HK$158,138/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,773
−HK$4,472/mo
▼ 0.25% · 3.875%
HK$84,993
−HK$2,252/mo
Today · 4.125%
HK$87,245
baseline
▲ 0.50% · 4.625%
HK$91,844
+HK$4,599/mo
Deposit HK$10.88M · loan HK$16.31M · min. income ≈ HK$174,490/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,804
−HK$5,444/mo
▼ 0.25% · 3.875%
HK$89,504
−HK$2,744/mo
Today · 4.125%
HK$92,248
baseline
▲ 0.50% · 4.625%
HK$97,861
+HK$5,613/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$184,496/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,569
−HK$5,217/mo
▼ 0.25% · 3.875%
HK$99,159
−HK$2,627/mo
Today · 4.125%
HK$101,786
baseline
▲ 0.50% · 4.625%
HK$107,151
+HK$5,365/mo
Deposit HK$8.16M · loan HK$19.03M · min. income ≈ HK$203,572/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,605
−HK$6,999/mo
▼ 0.25% · 3.875%
HK$115,077
−HK$3,527/mo
Today · 4.125%
HK$118,604
baseline
▲ 0.50% · 4.625%
HK$125,821
+HK$7,217/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$237,208/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,160
−HK$6,708/mo
▼ 0.25% · 3.875%
HK$127,490
−HK$3,378/mo
Today · 4.125%
HK$130,868
baseline
▲ 0.50% · 4.625%
HK$137,766
+HK$6,898/mo
Deposit HK$2.72M · loan HK$24.47M · min. income ≈ HK$261,736/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,628 · Scale 2, in force from 26 Feb 2026)