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$61,274
−HK$3,843/mo
▼ 0.25% · 3.875%
HK$63,180
−HK$1,937/mo
Today · 4.125%
HK$65,117
baseline
▲ 0.50% · 4.625%
HK$69,079
+HK$3,962/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,234/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,167
−HK$3,683/mo
▼ 0.25% · 3.875%
HK$69,995
−HK$1,855/mo
Today · 4.125%
HK$71,850
baseline
▲ 0.50% · 4.625%
HK$75,637
+HK$3,787/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,700/mo (50% DSR)
Upfront cash ≈ HK$14.58M (deposit + AVD stamp duty HK$1,142,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,529
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,816
−HK$2,324/mo
Today · 4.125%
HK$78,140
baseline
▲ 0.50% · 4.625%
HK$82,895
+HK$4,755/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$156,280/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,800
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$83,994
−HK$2,226/mo
Today · 4.125%
HK$86,220
baseline
▲ 0.50% · 4.625%
HK$90,764
+HK$4,544/mo
Deposit HK$10.75M · loan HK$16.12M · min. income ≈ HK$172,440/mo (50% DSR)
Upfront cash ≈ HK$11.89M (deposit + AVD stamp duty HK$1,142,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,784
−HK$5,379/mo
▼ 0.25% · 3.875%
HK$88,452
−HK$2,711/mo
Today · 4.125%
HK$91,163
baseline
▲ 0.50% · 4.625%
HK$96,710
+HK$5,547/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$182,326/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,434
−HK$5,156/mo
▼ 0.25% · 3.875%
HK$97,993
−HK$2,597/mo
Today · 4.125%
HK$100,590
baseline
▲ 0.50% · 4.625%
HK$105,892
+HK$5,302/mo
Deposit HK$8.06M · loan HK$18.81M · min. income ≈ HK$201,180/mo (50% DSR)
Upfront cash ≈ HK$9.20M (deposit + AVD stamp duty HK$1,142,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,294
−HK$6,916/mo
▼ 0.25% · 3.875%
HK$113,724
−HK$3,486/mo
Today · 4.125%
HK$117,210
baseline
▲ 0.50% · 4.625%
HK$124,342
+HK$7,132/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$234,420/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,700
−HK$6,630/mo
▼ 0.25% · 3.875%
HK$125,991
−HK$3,339/mo
Today · 4.125%
HK$129,330
baseline
▲ 0.50% · 4.625%
HK$136,147
+HK$6,817/mo
Deposit HK$2.69M · loan HK$24.18M · min. income ≈ HK$258,660/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,044 · Scale 2, in force from 26 Feb 2026)