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$61,644
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,562
−HK$1,948/mo
Today · 4.125%
HK$65,510
baseline
▲ 0.50% · 4.625%
HK$69,496
+HK$3,986/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,020/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,148,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,579
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,418
−HK$1,866/mo
Today · 4.125%
HK$72,284
baseline
▲ 0.50% · 4.625%
HK$76,094
+HK$3,810/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,568/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,148,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,973
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,274
−HK$2,338/mo
Today · 4.125%
HK$78,612
baseline
▲ 0.50% · 4.625%
HK$83,395
+HK$4,783/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$157,224/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,295
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,502
−HK$2,239/mo
Today · 4.125%
HK$86,741
baseline
▲ 0.50% · 4.625%
HK$91,313
+HK$4,572/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$173,482/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,302
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,987
−HK$2,727/mo
Today · 4.125%
HK$91,714
baseline
▲ 0.50% · 4.625%
HK$97,295
+HK$5,581/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,428/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,010
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$98,585
−HK$2,612/mo
Today · 4.125%
HK$101,197
baseline
▲ 0.50% · 4.625%
HK$106,532
+HK$5,335/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,394/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,960
−HK$6,958/mo
▼ 0.25% · 3.875%
HK$114,411
−HK$3,507/mo
Today · 4.125%
HK$117,918
baseline
▲ 0.50% · 4.625%
HK$125,093
+HK$7,175/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$235,836/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,442
−HK$6,669/mo
▼ 0.25% · 3.875%
HK$126,753
−HK$3,358/mo
Today · 4.125%
HK$130,111
baseline
▲ 0.50% · 4.625%
HK$136,969
+HK$6,858/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$260,222/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,945 · Scale 2, in force from 26 Feb 2026)