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$61,483
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,395
−HK$1,943/mo
Today · 4.125%
HK$65,338
baseline
▲ 0.50% · 4.625%
HK$69,314
+HK$3,976/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,676/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,399
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,233
−HK$1,861/mo
Today · 4.125%
HK$72,094
baseline
▲ 0.50% · 4.625%
HK$75,895
+HK$3,801/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,188/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,779
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,074
−HK$2,332/mo
Today · 4.125%
HK$78,406
baseline
▲ 0.50% · 4.625%
HK$83,177
+HK$4,771/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$156,812/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,079
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,280
−HK$2,233/mo
Today · 4.125%
HK$86,513
baseline
▲ 0.50% · 4.625%
HK$91,074
+HK$4,561/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$173,026/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,076
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,753
−HK$2,721/mo
Today · 4.125%
HK$91,474
baseline
▲ 0.50% · 4.625%
HK$97,040
+HK$5,566/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,948/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,759
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,327
−HK$2,605/mo
Today · 4.125%
HK$100,932
baseline
▲ 0.50% · 4.625%
HK$106,252
+HK$5,320/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,864/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,669
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$114,112
−HK$3,497/mo
Today · 4.125%
HK$117,609
baseline
▲ 0.50% · 4.625%
HK$124,765
+HK$7,156/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$235,218/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,118
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$126,420
−HK$3,350/mo
Today · 4.125%
HK$129,770
baseline
▲ 0.50% · 4.625%
HK$136,610
+HK$6,840/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$259,540/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,933 · Scale 2, in force from 26 Feb 2026)