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$61,421
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,331
−HK$1,941/mo
Today · 4.125%
HK$65,272
baseline
▲ 0.50% · 4.625%
HK$69,244
+HK$3,972/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,544/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,330
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,162
−HK$1,860/mo
Today · 4.125%
HK$72,022
baseline
▲ 0.50% · 4.625%
HK$75,818
+HK$3,796/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,044/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,705
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$75,997
−HK$2,330/mo
Today · 4.125%
HK$78,327
baseline
▲ 0.50% · 4.625%
HK$83,093
+HK$4,766/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,654/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,996
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,195
−HK$2,231/mo
Today · 4.125%
HK$86,426
baseline
▲ 0.50% · 4.625%
HK$90,981
+HK$4,555/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,852/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,989
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,664
−HK$2,717/mo
Today · 4.125%
HK$91,381
baseline
▲ 0.50% · 4.625%
HK$96,942
+HK$5,561/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,762/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,144,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,662
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,227
−HK$2,603/mo
Today · 4.125%
HK$100,830
baseline
▲ 0.50% · 4.625%
HK$106,145
+HK$5,315/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,660/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,144,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,557
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$113,996
−HK$3,494/mo
Today · 4.125%
HK$117,490
baseline
▲ 0.50% · 4.625%
HK$124,639
+HK$7,149/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$234,980/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,774 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,994
−HK$6,645/mo
▼ 0.25% · 3.875%
HK$126,292
−HK$3,347/mo
Today · 4.125%
HK$129,639
baseline
▲ 0.50% · 4.625%
HK$136,472
+HK$6,833/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$259,278/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,774 · Scale 2, in force from 26 Feb 2026)