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$61,914
−HK$3,882/mo
▼ 0.25% · 3.875%
HK$63,840
−HK$1,956/mo
Today · 4.125%
HK$65,796
baseline
▲ 0.50% · 4.625%
HK$69,800
+HK$4,004/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$131,592/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,878
−HK$3,722/mo
▼ 0.25% · 3.875%
HK$70,726
−HK$1,874/mo
Today · 4.125%
HK$72,600
baseline
▲ 0.50% · 4.625%
HK$76,426
+HK$3,826/mo
Deposit HK$13.58M · loan HK$13.58M · min. income ≈ HK$145,200/mo (50% DSR)
Upfront cash ≈ HK$14.73M (deposit + AVD stamp duty HK$1,153,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,296
−HK$4,659/mo
▼ 0.25% · 3.875%
HK$76,607
−HK$2,348/mo
Today · 4.125%
HK$78,955
baseline
▲ 0.50% · 4.625%
HK$83,760
+HK$4,805/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$157,910/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,654
−HK$4,466/mo
▼ 0.25% · 3.875%
HK$84,871
−HK$2,249/mo
Today · 4.125%
HK$87,120
baseline
▲ 0.50% · 4.625%
HK$91,712
+HK$4,592/mo
Deposit HK$10.86M · loan HK$16.29M · min. income ≈ HK$174,240/mo (50% DSR)
Upfront cash ≈ HK$12.01M (deposit + AVD stamp duty HK$1,153,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,679
−HK$5,436/mo
▼ 0.25% · 3.875%
HK$89,375
−HK$2,740/mo
Today · 4.125%
HK$92,115
baseline
▲ 0.50% · 4.625%
HK$97,720
+HK$5,605/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$184,230/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,430
−HK$5,209/mo
▼ 0.25% · 3.875%
HK$99,016
−HK$2,623/mo
Today · 4.125%
HK$101,639
baseline
▲ 0.50% · 4.625%
HK$106,997
+HK$5,358/mo
Deposit HK$8.15M · loan HK$19.01M · min. income ≈ HK$203,278/mo (50% DSR)
Upfront cash ≈ HK$9.30M (deposit + AVD stamp duty HK$1,153,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,445
−HK$6,988/mo
▼ 0.25% · 3.875%
HK$114,911
−HK$3,522/mo
Today · 4.125%
HK$118,433
baseline
▲ 0.50% · 4.625%
HK$125,640
+HK$7,207/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$236,866/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,981
−HK$6,698/mo
▼ 0.25% · 3.875%
HK$127,306
−HK$3,373/mo
Today · 4.125%
HK$130,679
baseline
▲ 0.50% · 4.625%
HK$137,568
+HK$6,889/mo
Deposit HK$2.72M · loan HK$24.44M · min. income ≈ HK$261,358/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$1,153,963 · Scale 2, in force from 26 Feb 2026)