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$61,797
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,720
−HK$1,953/mo
Today · 4.125%
HK$65,673
baseline
▲ 0.50% · 4.625%
HK$69,669
+HK$3,996/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,346/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,749
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,593
−HK$1,870/mo
Today · 4.125%
HK$72,463
baseline
▲ 0.50% · 4.625%
HK$76,283
+HK$3,820/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,926/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,157
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,464
−HK$2,343/mo
Today · 4.125%
HK$78,807
baseline
▲ 0.50% · 4.625%
HK$83,602
+HK$4,795/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,614/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,499
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,711
−HK$2,245/mo
Today · 4.125%
HK$86,956
baseline
▲ 0.50% · 4.625%
HK$91,540
+HK$4,584/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,912/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,516
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$89,208
−HK$2,734/mo
Today · 4.125%
HK$91,942
baseline
▲ 0.50% · 4.625%
HK$97,536
+HK$5,594/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,884/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,249
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,830
−HK$2,619/mo
Today · 4.125%
HK$101,449
baseline
▲ 0.50% · 4.625%
HK$106,796
+HK$5,347/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,898/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,235
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$114,695
−HK$3,516/mo
Today · 4.125%
HK$118,211
baseline
▲ 0.50% · 4.625%
HK$125,404
+HK$7,193/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$236,422/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,748
−HK$6,686/mo
▼ 0.25% · 3.875%
HK$127,067
−HK$3,367/mo
Today · 4.125%
HK$130,434
baseline
▲ 0.50% · 4.625%
HK$137,309
+HK$6,875/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$260,868/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,797 · Scale 2, in force from 26 Feb 2026)