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$61,606
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,523
−HK$1,947/mo
Today · 4.125%
HK$65,470
baseline
▲ 0.50% · 4.625%
HK$69,453
+HK$3,983/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,940/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,536
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,374
−HK$1,865/mo
Today · 4.125%
HK$72,239
baseline
▲ 0.50% · 4.625%
HK$76,047
+HK$3,808/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,478/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,928
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,227
−HK$2,336/mo
Today · 4.125%
HK$78,563
baseline
▲ 0.50% · 4.625%
HK$83,344
+HK$4,781/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,126/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,244
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,449
−HK$2,238/mo
Today · 4.125%
HK$86,687
baseline
▲ 0.50% · 4.625%
HK$91,256
+HK$4,569/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,374/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,249
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$88,932
−HK$2,725/mo
Today · 4.125%
HK$91,657
baseline
▲ 0.50% · 4.625%
HK$97,234
+HK$5,577/mo
Deposit HK$8.11M · loan HK$18.91M · min. income ≈ HK$183,314/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,951
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$98,524
−HK$2,611/mo
Today · 4.125%
HK$101,135
baseline
▲ 0.50% · 4.625%
HK$106,466
+HK$5,331/mo
Deposit HK$8.11M · loan HK$18.91M · min. income ≈ HK$202,270/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,891
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$114,341
−HK$3,504/mo
Today · 4.125%
HK$117,845
baseline
▲ 0.50% · 4.625%
HK$125,016
+HK$7,171/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,690/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,365
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$126,674
−HK$3,356/mo
Today · 4.125%
HK$130,030
baseline
▲ 0.50% · 4.625%
HK$136,885
+HK$6,855/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,060/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,234 · Scale 2, in force from 26 Feb 2026)