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$61,983
−HK$3,887/mo
▼ 0.25% · 3.875%
HK$63,911
−HK$1,959/mo
Today · 4.125%
HK$65,870
baseline
▲ 0.50% · 4.625%
HK$69,878
+HK$4,008/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$131,740/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,956
−HK$3,725/mo
▼ 0.25% · 3.875%
HK$70,805
−HK$1,876/mo
Today · 4.125%
HK$72,681
baseline
▲ 0.50% · 4.625%
HK$76,513
+HK$3,832/mo
Deposit HK$13.59M · loan HK$13.59M · min. income ≈ HK$145,362/mo (50% DSR)
Upfront cash ≈ HK$14.75M (deposit + AVD stamp duty HK$1,155,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,380
−HK$4,664/mo
▼ 0.25% · 3.875%
HK$76,694
−HK$2,350/mo
Today · 4.125%
HK$79,044
baseline
▲ 0.50% · 4.625%
HK$83,854
+HK$4,810/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$158,088/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,747
−HK$4,471/mo
▼ 0.25% · 3.875%
HK$84,966
−HK$2,252/mo
Today · 4.125%
HK$87,218
baseline
▲ 0.50% · 4.625%
HK$91,815
+HK$4,597/mo
Deposit HK$10.87M · loan HK$16.31M · min. income ≈ HK$174,436/mo (50% DSR)
Upfront cash ≈ HK$12.03M (deposit + AVD stamp duty HK$1,155,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,777
−HK$5,442/mo
▼ 0.25% · 3.875%
HK$89,476
−HK$2,743/mo
Today · 4.125%
HK$92,219
baseline
▲ 0.50% · 4.625%
HK$97,830
+HK$5,611/mo
Deposit HK$8.15M · loan HK$19.03M · min. income ≈ HK$184,438/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,538
−HK$5,216/mo
▼ 0.25% · 3.875%
HK$99,127
−HK$2,627/mo
Today · 4.125%
HK$101,754
baseline
▲ 0.50% · 4.625%
HK$107,118
+HK$5,364/mo
Deposit HK$8.15M · loan HK$19.03M · min. income ≈ HK$203,508/mo (50% DSR)
Upfront cash ≈ HK$9.31M (deposit + AVD stamp duty HK$1,155,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,570
−HK$6,997/mo
▼ 0.25% · 3.875%
HK$115,041
−HK$3,526/mo
Today · 4.125%
HK$118,567
baseline
▲ 0.50% · 4.625%
HK$125,781
+HK$7,214/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$237,134/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,121
−HK$6,706/mo
▼ 0.25% · 3.875%
HK$127,450
−HK$3,377/mo
Today · 4.125%
HK$130,827
baseline
▲ 0.50% · 4.625%
HK$137,723
+HK$6,896/mo
Deposit HK$2.72M · loan HK$24.46M · min. income ≈ HK$261,654/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,155,264 · Scale 2, in force from 26 Feb 2026)