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$61,697
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,616
−HK$1,950/mo
Today · 4.125%
HK$65,566
baseline
▲ 0.50% · 4.625%
HK$69,555
+HK$3,989/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,132/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,637
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,478
−HK$1,867/mo
Today · 4.125%
HK$72,345
baseline
▲ 0.50% · 4.625%
HK$76,159
+HK$3,814/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,690/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,036
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,339
−HK$2,340/mo
Today · 4.125%
HK$78,679
baseline
▲ 0.50% · 4.625%
HK$83,466
+HK$4,787/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,358/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,365
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,574
−HK$2,241/mo
Today · 4.125%
HK$86,815
baseline
▲ 0.50% · 4.625%
HK$91,391
+HK$4,576/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,630/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,376
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,062
−HK$2,730/mo
Today · 4.125%
HK$91,792
baseline
▲ 0.50% · 4.625%
HK$97,378
+HK$5,586/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,584/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,092
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,669
−HK$2,615/mo
Today · 4.125%
HK$101,284
baseline
▲ 0.50% · 4.625%
HK$106,622
+HK$5,338/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,568/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,054
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$114,509
−HK$3,510/mo
Today · 4.125%
HK$118,019
baseline
▲ 0.50% · 4.625%
HK$125,200
+HK$7,181/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$236,038/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,547
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$126,860
−HK$3,362/mo
Today · 4.125%
HK$130,222
baseline
▲ 0.50% · 4.625%
HK$137,086
+HK$6,864/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$260,444/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,923 · Scale 2, in force from 26 Feb 2026)