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$61,671
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,590
−HK$1,949/mo
Today · 4.125%
HK$65,539
baseline
▲ 0.50% · 4.625%
HK$69,526
+HK$3,987/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,078/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,609
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,449
−HK$1,866/mo
Today · 4.125%
HK$72,315
baseline
▲ 0.50% · 4.625%
HK$76,127
+HK$3,812/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,630/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,005
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,307
−HK$2,339/mo
Today · 4.125%
HK$78,646
baseline
▲ 0.50% · 4.625%
HK$83,432
+HK$4,786/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,292/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,330
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,538
−HK$2,240/mo
Today · 4.125%
HK$86,778
baseline
▲ 0.50% · 4.625%
HK$91,353
+HK$4,575/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,556/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,340
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,025
−HK$2,729/mo
Today · 4.125%
HK$91,754
baseline
▲ 0.50% · 4.625%
HK$97,337
+HK$5,583/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,508/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,052
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$98,628
−HK$2,613/mo
Today · 4.125%
HK$101,241
baseline
▲ 0.50% · 4.625%
HK$106,578
+HK$5,337/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,482/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,008
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$114,461
−HK$3,508/mo
Today · 4.125%
HK$117,969
baseline
▲ 0.50% · 4.625%
HK$125,148
+HK$7,179/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,938/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,496
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$126,808
−HK$3,360/mo
Today · 4.125%
HK$130,168
baseline
▲ 0.50% · 4.625%
HK$137,029
+HK$6,861/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,336/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,445 · Scale 2, in force from 26 Feb 2026)