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$62,015
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,944
−HK$1,960/mo
Today · 4.125%
HK$65,904
baseline
▲ 0.50% · 4.625%
HK$69,914
+HK$4,010/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,808/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,991
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,841
−HK$1,878/mo
Today · 4.125%
HK$72,719
baseline
▲ 0.50% · 4.625%
HK$76,552
+HK$3,833/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,438/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,418
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,733
−HK$2,352/mo
Today · 4.125%
HK$79,085
baseline
▲ 0.50% · 4.625%
HK$83,897
+HK$4,812/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,170/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,789
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,010
−HK$2,252/mo
Today · 4.125%
HK$87,262
baseline
▲ 0.50% · 4.625%
HK$91,862
+HK$4,600/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,524/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,821
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,522
−HK$2,744/mo
Today · 4.125%
HK$92,266
baseline
▲ 0.50% · 4.625%
HK$97,880
+HK$5,614/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$184,532/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,588
−HK$5,218/mo
▼ 0.25% · 3.875%
HK$99,178
−HK$2,628/mo
Today · 4.125%
HK$101,806
baseline
▲ 0.50% · 4.625%
HK$107,172
+HK$5,366/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$203,612/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,627
−HK$7,000/mo
▼ 0.25% · 3.875%
HK$115,099
−HK$3,528/mo
Today · 4.125%
HK$118,627
baseline
▲ 0.50% · 4.625%
HK$125,845
+HK$7,218/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$237,254/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,184
−HK$6,709/mo
▼ 0.25% · 3.875%
HK$127,515
−HK$3,378/mo
Today · 4.125%
HK$130,893
baseline
▲ 0.50% · 4.625%
HK$137,793
+HK$6,900/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$261,786/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,853 · Scale 2, in force from 26 Feb 2026)