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$61,619
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,536
−HK$1,947/mo
Today · 4.125%
HK$65,483
baseline
▲ 0.50% · 4.625%
HK$69,468
+HK$3,985/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,966/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,551
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,389
−HK$1,865/mo
Today · 4.125%
HK$72,254
baseline
▲ 0.50% · 4.625%
HK$76,063
+HK$3,809/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,508/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,943
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,243
−HK$2,337/mo
Today · 4.125%
HK$78,580
baseline
▲ 0.50% · 4.625%
HK$83,361
+HK$4,781/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,160/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,261
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,467
−HK$2,238/mo
Today · 4.125%
HK$86,705
baseline
▲ 0.50% · 4.625%
HK$91,275
+HK$4,570/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,410/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,267
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,950
−HK$2,726/mo
Today · 4.125%
HK$91,676
baseline
▲ 0.50% · 4.625%
HK$97,255
+HK$5,579/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,352/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,971
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,545
−HK$2,611/mo
Today · 4.125%
HK$101,156
baseline
▲ 0.50% · 4.625%
HK$106,488
+HK$5,332/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,312/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,914
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$114,364
−HK$3,506/mo
Today · 4.125%
HK$117,870
baseline
▲ 0.50% · 4.625%
HK$125,042
+HK$7,172/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,740/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,391
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$126,700
−HK$3,358/mo
Today · 4.125%
HK$130,058
baseline
▲ 0.50% · 4.625%
HK$136,913
+HK$6,855/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,116/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,473 · Scale 2, in force from 26 Feb 2026)