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$61,532
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,446
−HK$1,944/mo
Today · 4.125%
HK$65,390
baseline
▲ 0.50% · 4.625%
HK$69,369
+HK$3,979/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,780/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,454
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,290
−HK$1,862/mo
Today · 4.125%
HK$72,152
baseline
▲ 0.50% · 4.625%
HK$75,955
+HK$3,803/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,304/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,838
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,135
−HK$2,334/mo
Today · 4.125%
HK$78,469
baseline
▲ 0.50% · 4.625%
HK$83,243
+HK$4,774/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$156,938/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,144
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,347
−HK$2,235/mo
Today · 4.125%
HK$86,582
baseline
▲ 0.50% · 4.625%
HK$91,146
+HK$4,564/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,164/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,145
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,824
−HK$2,723/mo
Today · 4.125%
HK$91,547
baseline
▲ 0.50% · 4.625%
HK$97,117
+HK$5,570/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$183,094/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,835
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,405
−HK$2,608/mo
Today · 4.125%
HK$101,013
baseline
▲ 0.50% · 4.625%
HK$106,337
+HK$5,324/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$202,026/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,757
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$114,203
−HK$3,500/mo
Today · 4.125%
HK$117,703
baseline
▲ 0.50% · 4.625%
HK$124,865
+HK$7,162/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,406/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,848 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,217
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$126,521
−HK$3,353/mo
Today · 4.125%
HK$129,874
baseline
▲ 0.50% · 4.625%
HK$136,719
+HK$6,845/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,748/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,848 · Scale 2, in force from 26 Feb 2026)