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$61,381
−HK$3,849/mo
▼ 0.25% · 3.875%
HK$63,290
−HK$1,940/mo
Today · 4.125%
HK$65,230
baseline
▲ 0.50% · 4.625%
HK$69,199
+HK$3,969/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,460/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,144,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,286
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,117
−HK$1,858/mo
Today · 4.125%
HK$71,975
baseline
▲ 0.50% · 4.625%
HK$75,769
+HK$3,794/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,950/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,144,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,657
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,948
−HK$2,328/mo
Today · 4.125%
HK$78,276
baseline
▲ 0.50% · 4.625%
HK$83,039
+HK$4,763/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,552/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,943
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,140
−HK$2,230/mo
Today · 4.125%
HK$86,370
baseline
▲ 0.50% · 4.625%
HK$90,922
+HK$4,552/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,740/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,933
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,606
−HK$2,716/mo
Today · 4.125%
HK$91,322
baseline
▲ 0.50% · 4.625%
HK$96,879
+HK$5,557/mo
Deposit HK$8.08M · loan HK$18.84M · min. income ≈ HK$182,644/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,600
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,164
−HK$2,601/mo
Today · 4.125%
HK$100,765
baseline
▲ 0.50% · 4.625%
HK$106,076
+HK$5,311/mo
Deposit HK$8.08M · loan HK$18.84M · min. income ≈ HK$201,530/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,485
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$113,922
−HK$3,492/mo
Today · 4.125%
HK$117,414
baseline
▲ 0.50% · 4.625%
HK$124,558
+HK$7,144/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,828/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,914
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$126,210
−HK$3,345/mo
Today · 4.125%
HK$129,555
baseline
▲ 0.50% · 4.625%
HK$136,384
+HK$6,829/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,110/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,031 · Scale 2, in force from 26 Feb 2026)