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$61,778
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,700
−HK$1,952/mo
Today · 4.125%
HK$65,652
baseline
▲ 0.50% · 4.625%
HK$69,647
+HK$3,995/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,304/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,728
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,571
−HK$1,870/mo
Today · 4.125%
HK$72,441
baseline
▲ 0.50% · 4.625%
HK$76,259
+HK$3,818/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,882/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,134
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,440
−HK$2,343/mo
Today · 4.125%
HK$78,783
baseline
▲ 0.50% · 4.625%
HK$83,577
+HK$4,794/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,566/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,473
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,685
−HK$2,244/mo
Today · 4.125%
HK$86,929
baseline
▲ 0.50% · 4.625%
HK$91,511
+HK$4,582/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,858/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,490
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$89,180
−HK$2,733/mo
Today · 4.125%
HK$91,913
baseline
▲ 0.50% · 4.625%
HK$97,506
+HK$5,593/mo
Deposit HK$8.13M · loan HK$18.96M · min. income ≈ HK$183,826/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,219
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$98,799
−HK$2,618/mo
Today · 4.125%
HK$101,417
baseline
▲ 0.50% · 4.625%
HK$106,763
+HK$5,346/mo
Deposit HK$8.13M · loan HK$18.96M · min. income ≈ HK$202,834/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,201
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$114,660
−HK$3,514/mo
Today · 4.125%
HK$118,174
baseline
▲ 0.50% · 4.625%
HK$125,365
+HK$7,191/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$236,348/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,710
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$127,028
−HK$3,366/mo
Today · 4.125%
HK$130,394
baseline
▲ 0.50% · 4.625%
HK$137,267
+HK$6,873/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$260,788/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,442 · Scale 2, in force from 26 Feb 2026)