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$61,435
−HK$3,852/mo
▼ 0.25% · 3.875%
HK$63,346
−HK$1,941/mo
Today · 4.125%
HK$65,287
baseline
▲ 0.50% · 4.625%
HK$69,260
+HK$3,973/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,574/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,345
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,178
−HK$1,860/mo
Today · 4.125%
HK$72,038
baseline
▲ 0.50% · 4.625%
HK$75,835
+HK$3,797/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,076/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,722
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,015
−HK$2,330/mo
Today · 4.125%
HK$78,345
baseline
▲ 0.50% · 4.625%
HK$83,112
+HK$4,767/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,690/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,014
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,214
−HK$2,231/mo
Today · 4.125%
HK$86,445
baseline
▲ 0.50% · 4.625%
HK$91,002
+HK$4,557/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,890/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,008
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,684
−HK$2,718/mo
Today · 4.125%
HK$91,402
baseline
▲ 0.50% · 4.625%
HK$96,964
+HK$5,562/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,804/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,684
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,250
−HK$2,603/mo
Today · 4.125%
HK$100,853
baseline
▲ 0.50% · 4.625%
HK$106,169
+HK$5,316/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,706/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,582
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$114,022
−HK$3,495/mo
Today · 4.125%
HK$117,517
baseline
▲ 0.50% · 4.625%
HK$124,667
+HK$7,150/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$235,034/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,022
−HK$6,646/mo
▼ 0.25% · 3.875%
HK$126,321
−HK$3,347/mo
Today · 4.125%
HK$129,668
baseline
▲ 0.50% · 4.625%
HK$136,503
+HK$6,835/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$259,336/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,035 · Scale 2, in force from 26 Feb 2026)