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$61,677
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,596
−HK$1,949/mo
Today · 4.125%
HK$65,545
baseline
▲ 0.50% · 4.625%
HK$69,533
+HK$3,988/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,090/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,615
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,455
−HK$1,867/mo
Today · 4.125%
HK$72,322
baseline
▲ 0.50% · 4.625%
HK$76,134
+HK$3,812/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,644/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,013
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,315
−HK$2,339/mo
Today · 4.125%
HK$78,654
baseline
▲ 0.50% · 4.625%
HK$83,440
+HK$4,786/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,308/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,338
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,546
−HK$2,241/mo
Today · 4.125%
HK$86,787
baseline
▲ 0.50% · 4.625%
HK$91,361
+HK$4,574/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,574/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,348
−HK$5,415/mo
▼ 0.25% · 3.875%
HK$89,034
−HK$2,729/mo
Today · 4.125%
HK$91,763
baseline
▲ 0.50% · 4.625%
HK$97,346
+HK$5,583/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,526/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,061
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$98,638
−HK$2,613/mo
Today · 4.125%
HK$101,251
baseline
▲ 0.50% · 4.625%
HK$106,588
+HK$5,337/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,502/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,019
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$114,472
−HK$3,509/mo
Today · 4.125%
HK$117,981
baseline
▲ 0.50% · 4.625%
HK$125,160
+HK$7,179/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,962/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,507
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$126,820
−HK$3,360/mo
Today · 4.125%
HK$130,180
baseline
▲ 0.50% · 4.625%
HK$137,042
+HK$6,862/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,360/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,554 · Scale 2, in force from 26 Feb 2026)