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$61,432
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,343
−HK$1,942/mo
Today · 4.125%
HK$65,285
baseline
▲ 0.50% · 4.625%
HK$69,257
+HK$3,972/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,570/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,144,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,343
−HK$3,692/mo
▼ 0.25% · 3.875%
HK$70,176
−HK$1,859/mo
Today · 4.125%
HK$72,035
baseline
▲ 0.50% · 4.625%
HK$75,832
+HK$3,797/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,070/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,144,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,719
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$76,012
−HK$2,329/mo
Today · 4.125%
HK$78,341
baseline
▲ 0.50% · 4.625%
HK$83,108
+HK$4,767/mo
Deposit HK$10.78M · loan HK$16.16M · min. income ≈ HK$156,682/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,011
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,211
−HK$2,231/mo
Today · 4.125%
HK$86,442
baseline
▲ 0.50% · 4.625%
HK$90,999
+HK$4,557/mo
Deposit HK$10.78M · loan HK$16.16M · min. income ≈ HK$172,884/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,005
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$88,680
−HK$2,718/mo
Today · 4.125%
HK$91,398
baseline
▲ 0.50% · 4.625%
HK$96,960
+HK$5,562/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,796/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,144,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,680
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,246
−HK$2,603/mo
Today · 4.125%
HK$100,849
baseline
▲ 0.50% · 4.625%
HK$106,165
+HK$5,316/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,698/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,144,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,578
−HK$6,934/mo
▼ 0.25% · 3.875%
HK$114,018
−HK$3,494/mo
Today · 4.125%
HK$117,512
baseline
▲ 0.50% · 4.625%
HK$124,663
+HK$7,151/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$235,024/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,017
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$126,316
−HK$3,347/mo
Today · 4.125%
HK$129,663
baseline
▲ 0.50% · 4.625%
HK$136,498
+HK$6,835/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$259,326/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,989 · Scale 2, in force from 26 Feb 2026)