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$61,756
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,677
−HK$1,952/mo
Today · 4.125%
HK$65,629
baseline
▲ 0.50% · 4.625%
HK$69,622
+HK$3,993/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,258/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,151,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,703
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,545
−HK$1,870/mo
Today · 4.125%
HK$72,415
baseline
▲ 0.50% · 4.625%
HK$76,232
+HK$3,817/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,830/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,151,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,107
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,412
−HK$2,342/mo
Today · 4.125%
HK$78,754
baseline
▲ 0.50% · 4.625%
HK$83,546
+HK$4,792/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$157,508/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,151,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,443
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,655
−HK$2,243/mo
Today · 4.125%
HK$86,898
baseline
▲ 0.50% · 4.625%
HK$91,478
+HK$4,580/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$173,796/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,151,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,458
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$89,148
−HK$2,732/mo
Today · 4.125%
HK$91,880
baseline
▲ 0.50% · 4.625%
HK$97,471
+HK$5,591/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$183,760/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,184
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$98,764
−HK$2,617/mo
Today · 4.125%
HK$101,381
baseline
▲ 0.50% · 4.625%
HK$106,725
+HK$5,344/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$202,762/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,161
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$114,619
−HK$3,513/mo
Today · 4.125%
HK$118,132
baseline
▲ 0.50% · 4.625%
HK$125,320
+HK$7,188/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,264/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,665
−HK$6,682/mo
▼ 0.25% · 3.875%
HK$126,982
−HK$3,365/mo
Today · 4.125%
HK$130,347
baseline
▲ 0.50% · 4.625%
HK$137,217
+HK$6,870/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,694/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,024 · Scale 2, in force from 26 Feb 2026)