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$62,021
−HK$3,889/mo
▼ 0.25% · 3.875%
HK$63,950
−HK$1,960/mo
Today · 4.125%
HK$65,910
baseline
▲ 0.50% · 4.625%
HK$69,920
+HK$4,010/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$131,820/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,155,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,997
−HK$3,728/mo
▼ 0.25% · 3.875%
HK$70,848
−HK$1,877/mo
Today · 4.125%
HK$72,725
baseline
▲ 0.50% · 4.625%
HK$76,558
+HK$3,833/mo
Deposit HK$13.60M · loan HK$13.60M · min. income ≈ HK$145,450/mo (50% DSR)
Upfront cash ≈ HK$14.76M (deposit + AVD stamp duty HK$1,155,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,425
−HK$4,667/mo
▼ 0.25% · 3.875%
HK$76,740
−HK$2,352/mo
Today · 4.125%
HK$79,092
baseline
▲ 0.50% · 4.625%
HK$83,904
+HK$4,812/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$158,184/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,155,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,797
−HK$4,473/mo
▼ 0.25% · 3.875%
HK$85,017
−HK$2,253/mo
Today · 4.125%
HK$87,270
baseline
▲ 0.50% · 4.625%
HK$91,870
+HK$4,600/mo
Deposit HK$10.88M · loan HK$16.32M · min. income ≈ HK$174,540/mo (50% DSR)
Upfront cash ≈ HK$12.04M (deposit + AVD stamp duty HK$1,155,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,829
−HK$5,445/mo
▼ 0.25% · 3.875%
HK$89,530
−HK$2,744/mo
Today · 4.125%
HK$92,274
baseline
▲ 0.50% · 4.625%
HK$97,888
+HK$5,614/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$184,548/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,155,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,596
−HK$5,219/mo
▼ 0.25% · 3.875%
HK$99,187
−HK$2,628/mo
Today · 4.125%
HK$101,815
baseline
▲ 0.50% · 4.625%
HK$107,182
+HK$5,367/mo
Deposit HK$8.16M · loan HK$19.04M · min. income ≈ HK$203,630/mo (50% DSR)
Upfront cash ≈ HK$9.32M (deposit + AVD stamp duty HK$1,155,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,637
−HK$7,001/mo
▼ 0.25% · 3.875%
HK$115,109
−HK$3,529/mo
Today · 4.125%
HK$118,638
baseline
▲ 0.50% · 4.625%
HK$125,856
+HK$7,218/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$237,276/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,195
−HK$6,710/mo
▼ 0.25% · 3.875%
HK$127,526
−HK$3,379/mo
Today · 4.125%
HK$130,905
baseline
▲ 0.50% · 4.625%
HK$137,805
+HK$6,900/mo
Deposit HK$2.72M · loan HK$24.48M · min. income ≈ HK$261,810/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$1,155,954 · Scale 2, in force from 26 Feb 2026)