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$61,867
−HK$3,879/mo
▼ 0.25% · 3.875%
HK$63,791
−HK$1,955/mo
Today · 4.125%
HK$65,746
baseline
▲ 0.50% · 4.625%
HK$69,747
+HK$4,001/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$131,492/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,826
−HK$3,719/mo
▼ 0.25% · 3.875%
HK$70,672
−HK$1,873/mo
Today · 4.125%
HK$72,545
baseline
▲ 0.50% · 4.625%
HK$76,369
+HK$3,824/mo
Deposit HK$13.57M · loan HK$13.57M · min. income ≈ HK$145,090/mo (50% DSR)
Upfront cash ≈ HK$14.72M (deposit + AVD stamp duty HK$1,153,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,240
−HK$4,656/mo
▼ 0.25% · 3.875%
HK$76,549
−HK$2,347/mo
Today · 4.125%
HK$78,896
baseline
▲ 0.50% · 4.625%
HK$83,696
+HK$4,800/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$157,792/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,591
−HK$4,463/mo
▼ 0.25% · 3.875%
HK$84,807
−HK$2,247/mo
Today · 4.125%
HK$87,054
baseline
▲ 0.50% · 4.625%
HK$91,642
+HK$4,588/mo
Deposit HK$10.85M · loan HK$16.28M · min. income ≈ HK$174,108/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,614
−HK$5,431/mo
▼ 0.25% · 3.875%
HK$89,308
−HK$2,737/mo
Today · 4.125%
HK$92,045
baseline
▲ 0.50% · 4.625%
HK$97,646
+HK$5,601/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$184,090/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,357
−HK$5,206/mo
▼ 0.25% · 3.875%
HK$98,941
−HK$2,622/mo
Today · 4.125%
HK$101,563
baseline
▲ 0.50% · 4.625%
HK$106,916
+HK$5,353/mo
Deposit HK$8.14M · loan HK$18.99M · min. income ≈ HK$203,126/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,153,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,360
−HK$6,984/mo
▼ 0.25% · 3.875%
HK$114,824
−HK$3,520/mo
Today · 4.125%
HK$118,344
baseline
▲ 0.50% · 4.625%
HK$125,544
+HK$7,200/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$236,688/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,887
−HK$6,693/mo
▼ 0.25% · 3.875%
HK$127,210
−HK$3,370/mo
Today · 4.125%
HK$130,580
baseline
▲ 0.50% · 4.625%
HK$137,463
+HK$6,883/mo
Deposit HK$2.71M · loan HK$24.42M · min. income ≈ HK$261,160/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,090 · Scale 2, in force from 26 Feb 2026)