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$61,356
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,264
−HK$1,939/mo
Today · 4.125%
HK$65,203
baseline
▲ 0.50% · 4.625%
HK$69,171
+HK$3,968/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,406/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,258
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,088
−HK$1,857/mo
Today · 4.125%
HK$71,945
baseline
▲ 0.50% · 4.625%
HK$75,738
+HK$3,793/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,890/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,627
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,917
−HK$2,327/mo
Today · 4.125%
HK$78,244
baseline
▲ 0.50% · 4.625%
HK$83,005
+HK$4,761/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$156,488/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,909
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,106
−HK$2,228/mo
Today · 4.125%
HK$86,334
baseline
▲ 0.50% · 4.625%
HK$90,885
+HK$4,551/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$172,668/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,898
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,570
−HK$2,714/mo
Today · 4.125%
HK$91,284
baseline
▲ 0.50% · 4.625%
HK$96,839
+HK$5,555/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$182,568/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,561
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,123
−HK$2,600/mo
Today · 4.125%
HK$100,723
baseline
▲ 0.50% · 4.625%
HK$106,033
+HK$5,310/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$201,446/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,440
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$113,875
−HK$3,491/mo
Today · 4.125%
HK$117,366
baseline
▲ 0.50% · 4.625%
HK$124,507
+HK$7,141/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$234,732/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,864
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$126,159
−HK$3,342/mo
Today · 4.125%
HK$129,501
baseline
▲ 0.50% · 4.625%
HK$136,328
+HK$6,827/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$259,002/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,562 · Scale 2, in force from 26 Feb 2026)