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$61,829
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,752
−HK$1,954/mo
Today · 4.125%
HK$65,706
baseline
▲ 0.50% · 4.625%
HK$69,704
+HK$3,998/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,412/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,784
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,629
−HK$1,871/mo
Today · 4.125%
HK$72,500
baseline
▲ 0.50% · 4.625%
HK$76,322
+HK$3,822/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$145,000/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,195
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$76,502
−HK$2,345/mo
Today · 4.125%
HK$78,847
baseline
▲ 0.50% · 4.625%
HK$83,645
+HK$4,798/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$157,694/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,541
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$84,754
−HK$2,246/mo
Today · 4.125%
HK$87,000
baseline
▲ 0.50% · 4.625%
HK$91,586
+HK$4,586/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$174,000/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,560
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$89,253
−HK$2,735/mo
Today · 4.125%
HK$91,988
baseline
▲ 0.50% · 4.625%
HK$97,586
+HK$5,598/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$183,976/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,297
−HK$5,203/mo
▼ 0.25% · 3.875%
HK$98,880
−HK$2,620/mo
Today · 4.125%
HK$101,500
baseline
▲ 0.50% · 4.625%
HK$106,850
+HK$5,350/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$203,000/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,292
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$114,754
−HK$3,517/mo
Today · 4.125%
HK$118,271
baseline
▲ 0.50% · 4.625%
HK$125,467
+HK$7,196/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$236,542/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,811
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$127,132
−HK$3,368/mo
Today · 4.125%
HK$130,500
baseline
▲ 0.50% · 4.625%
HK$137,379
+HK$6,879/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$261,000/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,381 · Scale 2, in force from 26 Feb 2026)