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$61,746
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,666
−HK$1,952/mo
Today · 4.125%
HK$65,618
baseline
▲ 0.50% · 4.625%
HK$69,610
+HK$3,992/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,236/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,692
−HK$3,711/mo
▼ 0.25% · 3.875%
HK$70,534
−HK$1,869/mo
Today · 4.125%
HK$72,403
baseline
▲ 0.50% · 4.625%
HK$76,219
+HK$3,816/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,806/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,095
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,400
−HK$2,341/mo
Today · 4.125%
HK$78,741
baseline
▲ 0.50% · 4.625%
HK$83,533
+HK$4,792/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$157,482/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,430
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,641
−HK$2,242/mo
Today · 4.125%
HK$86,883
baseline
▲ 0.50% · 4.625%
HK$91,463
+HK$4,580/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$173,766/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,444
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,133
−HK$2,732/mo
Today · 4.125%
HK$91,865
baseline
▲ 0.50% · 4.625%
HK$97,455
+HK$5,590/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,730/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,168
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,747
−HK$2,617/mo
Today · 4.125%
HK$101,364
baseline
▲ 0.50% · 4.625%
HK$106,707
+HK$5,343/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,728/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,142
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$114,600
−HK$3,512/mo
Today · 4.125%
HK$118,112
baseline
▲ 0.50% · 4.625%
HK$125,299
+HK$7,187/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,224/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,645
−HK$6,680/mo
▼ 0.25% · 3.875%
HK$126,961
−HK$3,364/mo
Today · 4.125%
HK$130,325
baseline
▲ 0.50% · 4.625%
HK$137,195
+HK$6,870/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,650/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,834 · Scale 2, in force from 26 Feb 2026)