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$61,810
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,733
−HK$1,953/mo
Today · 4.125%
HK$65,686
baseline
▲ 0.50% · 4.625%
HK$69,683
+HK$3,997/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,372/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,763
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,607
−HK$1,871/mo
Today · 4.125%
HK$72,478
baseline
▲ 0.50% · 4.625%
HK$76,299
+HK$3,821/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,956/mo (50% DSR)
Upfront cash ≈ HK$14.71M (deposit + AVD stamp duty HK$1,152,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,172
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$76,480
−HK$2,344/mo
Today · 4.125%
HK$78,824
baseline
▲ 0.50% · 4.625%
HK$83,620
+HK$4,796/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,648/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,152,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,516
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,729
−HK$2,245/mo
Today · 4.125%
HK$86,974
baseline
▲ 0.50% · 4.625%
HK$91,559
+HK$4,585/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,948/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,152,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,534
−HK$5,427/mo
▼ 0.25% · 3.875%
HK$89,226
−HK$2,735/mo
Today · 4.125%
HK$91,961
baseline
▲ 0.50% · 4.625%
HK$97,556
+HK$5,595/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,922/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,152,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,269
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,850
−HK$2,620/mo
Today · 4.125%
HK$101,470
baseline
▲ 0.50% · 4.625%
HK$106,818
+HK$5,348/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,940/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,152,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,258
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$114,719
−HK$3,516/mo
Today · 4.125%
HK$118,235
baseline
▲ 0.50% · 4.625%
HK$125,430
+HK$7,195/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$236,470/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,774
−HK$6,687/mo
▼ 0.25% · 3.875%
HK$127,093
−HK$3,368/mo
Today · 4.125%
HK$130,461
baseline
▲ 0.50% · 4.625%
HK$137,338
+HK$6,877/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$260,922/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,152,036 · Scale 2, in force from 26 Feb 2026)