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$61,354
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,263
−HK$1,939/mo
Today · 4.125%
HK$65,202
baseline
▲ 0.50% · 4.625%
HK$69,169
+HK$3,967/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,404/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,256
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,086
−HK$1,857/mo
Today · 4.125%
HK$71,943
baseline
▲ 0.50% · 4.625%
HK$75,736
+HK$3,793/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,886/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,625
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,915
−HK$2,327/mo
Today · 4.125%
HK$78,242
baseline
▲ 0.50% · 4.625%
HK$83,003
+HK$4,761/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$156,484/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,907
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,104
−HK$2,228/mo
Today · 4.125%
HK$86,332
baseline
▲ 0.50% · 4.625%
HK$90,883
+HK$4,551/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$172,664/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,896
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,568
−HK$2,714/mo
Today · 4.125%
HK$91,282
baseline
▲ 0.50% · 4.625%
HK$96,836
+HK$5,554/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$182,564/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,558
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,121
−HK$2,600/mo
Today · 4.125%
HK$100,721
baseline
▲ 0.50% · 4.625%
HK$106,030
+HK$5,309/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$201,442/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,437
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$113,873
−HK$3,490/mo
Today · 4.125%
HK$117,363
baseline
▲ 0.50% · 4.625%
HK$124,504
+HK$7,141/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$234,726/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,534 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,861
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$126,156
−HK$3,342/mo
Today · 4.125%
HK$129,498
baseline
▲ 0.50% · 4.625%
HK$136,324
+HK$6,826/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$258,996/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,534 · Scale 2, in force from 26 Feb 2026)