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$61,633
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,550
−HK$1,947/mo
Today · 4.125%
HK$65,497
baseline
▲ 0.50% · 4.625%
HK$69,483
+HK$3,986/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,994/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,566
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,404
−HK$1,866/mo
Today · 4.125%
HK$72,270
baseline
▲ 0.50% · 4.625%
HK$76,079
+HK$3,809/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,540/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,959
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,260
−HK$2,337/mo
Today · 4.125%
HK$78,597
baseline
▲ 0.50% · 4.625%
HK$83,379
+HK$4,782/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$157,194/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,279
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,485
−HK$2,239/mo
Today · 4.125%
HK$86,724
baseline
▲ 0.50% · 4.625%
HK$91,295
+HK$4,571/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$173,448/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,286
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,970
−HK$2,726/mo
Today · 4.125%
HK$91,696
baseline
▲ 0.50% · 4.625%
HK$97,276
+HK$5,580/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,392/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,992
−HK$5,186/mo
▼ 0.25% · 3.875%
HK$98,566
−HK$2,612/mo
Today · 4.125%
HK$101,178
baseline
▲ 0.50% · 4.625%
HK$106,511
+HK$5,333/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,356/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,939
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$114,389
−HK$3,506/mo
Today · 4.125%
HK$117,895
baseline
▲ 0.50% · 4.625%
HK$125,069
+HK$7,174/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$235,790/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,418
−HK$6,668/mo
▼ 0.25% · 3.875%
HK$126,728
−HK$3,358/mo
Today · 4.125%
HK$130,086
baseline
▲ 0.50% · 4.625%
HK$136,943
+HK$6,857/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$260,172/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,723 · Scale 2, in force from 26 Feb 2026)