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$61,832
−HK$3,877/mo
▼ 0.25% · 3.875%
HK$63,755
−HK$1,954/mo
Today · 4.125%
HK$65,709
baseline
▲ 0.50% · 4.625%
HK$69,708
+HK$3,999/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$131,418/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,788
−HK$3,716/mo
▼ 0.25% · 3.875%
HK$70,632
−HK$1,872/mo
Today · 4.125%
HK$72,504
baseline
▲ 0.50% · 4.625%
HK$76,326
+HK$3,822/mo
Deposit HK$13.56M · loan HK$13.56M · min. income ≈ HK$145,008/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,198
−HK$4,653/mo
▼ 0.25% · 3.875%
HK$76,506
−HK$2,345/mo
Today · 4.125%
HK$78,851
baseline
▲ 0.50% · 4.625%
HK$83,649
+HK$4,798/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$157,702/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,545
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,759
−HK$2,246/mo
Today · 4.125%
HK$87,005
baseline
▲ 0.50% · 4.625%
HK$91,591
+HK$4,586/mo
Deposit HK$10.85M · loan HK$16.27M · min. income ≈ HK$174,010/mo (50% DSR)
Upfront cash ≈ HK$12.00M (deposit + AVD stamp duty HK$1,152,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,565
−HK$5,428/mo
▼ 0.25% · 3.875%
HK$89,258
−HK$2,735/mo
Today · 4.125%
HK$91,993
baseline
▲ 0.50% · 4.625%
HK$97,591
+HK$5,598/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$183,986/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,303
−HK$5,202/mo
▼ 0.25% · 3.875%
HK$98,885
−HK$2,620/mo
Today · 4.125%
HK$101,505
baseline
▲ 0.50% · 4.625%
HK$106,856
+HK$5,351/mo
Deposit HK$8.13M · loan HK$18.98M · min. income ≈ HK$203,010/mo (50% DSR)
Upfront cash ≈ HK$9.29M (deposit + AVD stamp duty HK$1,152,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,298
−HK$6,979/mo
▼ 0.25% · 3.875%
HK$114,760
−HK$3,517/mo
Today · 4.125%
HK$118,277
baseline
▲ 0.50% · 4.625%
HK$125,474
+HK$7,197/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$236,554/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,818
−HK$6,689/mo
▼ 0.25% · 3.875%
HK$127,138
−HK$3,369/mo
Today · 4.125%
HK$130,507
baseline
▲ 0.50% · 4.625%
HK$137,386
+HK$6,879/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$261,014/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,442 · Scale 2, in force from 26 Feb 2026)