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$61,645
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,563
−HK$1,948/mo
Today · 4.125%
HK$65,511
baseline
▲ 0.50% · 4.625%
HK$69,497
+HK$3,986/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,022/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,148,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,580
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,419
−HK$1,866/mo
Today · 4.125%
HK$72,285
baseline
▲ 0.50% · 4.625%
HK$76,095
+HK$3,810/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,570/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,148,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,974
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,275
−HK$2,338/mo
Today · 4.125%
HK$78,613
baseline
▲ 0.50% · 4.625%
HK$83,396
+HK$4,783/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$157,226/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,295
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,503
−HK$2,239/mo
Today · 4.125%
HK$86,742
baseline
▲ 0.50% · 4.625%
HK$91,314
+HK$4,572/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$173,484/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,303
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,988
−HK$2,727/mo
Today · 4.125%
HK$91,715
baseline
▲ 0.50% · 4.625%
HK$97,296
+HK$5,581/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,430/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,011
−HK$5,188/mo
▼ 0.25% · 3.875%
HK$98,586
−HK$2,613/mo
Today · 4.125%
HK$101,199
baseline
▲ 0.50% · 4.625%
HK$106,533
+HK$5,334/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,398/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,961
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$114,413
−HK$3,506/mo
Today · 4.125%
HK$117,919
baseline
▲ 0.50% · 4.625%
HK$125,094
+HK$7,175/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$235,838/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,443
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$126,754
−HK$3,358/mo
Today · 4.125%
HK$130,112
baseline
▲ 0.50% · 4.625%
HK$136,971
+HK$6,859/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$260,224/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,957 · Scale 2, in force from 26 Feb 2026)