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$61,766
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,687
−HK$1,952/mo
Today · 4.125%
HK$65,639
baseline
▲ 0.50% · 4.625%
HK$69,633
+HK$3,994/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,278/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,151,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,714
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,557
−HK$1,869/mo
Today · 4.125%
HK$72,426
baseline
▲ 0.50% · 4.625%
HK$76,244
+HK$3,818/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,852/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,151,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,119
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$76,425
−HK$2,342/mo
Today · 4.125%
HK$78,767
baseline
▲ 0.50% · 4.625%
HK$83,560
+HK$4,793/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$157,534/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,457
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,668
−HK$2,243/mo
Today · 4.125%
HK$86,911
baseline
▲ 0.50% · 4.625%
HK$91,493
+HK$4,582/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$173,822/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,472
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$89,162
−HK$2,733/mo
Today · 4.125%
HK$91,895
baseline
▲ 0.50% · 4.625%
HK$97,486
+HK$5,591/mo
Deposit HK$8.13M · loan HK$18.96M · min. income ≈ HK$183,790/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,199
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$98,779
−HK$2,618/mo
Today · 4.125%
HK$101,397
baseline
▲ 0.50% · 4.625%
HK$106,742
+HK$5,345/mo
Deposit HK$8.13M · loan HK$18.96M · min. income ≈ HK$202,794/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,178
−HK$6,972/mo
▼ 0.25% · 3.875%
HK$114,637
−HK$3,513/mo
Today · 4.125%
HK$118,150
baseline
▲ 0.50% · 4.625%
HK$125,340
+HK$7,190/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$236,300/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,685
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$127,002
−HK$3,365/mo
Today · 4.125%
HK$130,367
baseline
▲ 0.50% · 4.625%
HK$137,239
+HK$6,872/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$260,734/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,207 · Scale 2, in force from 26 Feb 2026)