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$61,328
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,236
−HK$1,938/mo
Today · 4.125%
HK$65,174
baseline
▲ 0.50% · 4.625%
HK$69,139
+HK$3,965/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,348/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,143,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,227
−HK$3,686/mo
▼ 0.25% · 3.875%
HK$70,056
−HK$1,857/mo
Today · 4.125%
HK$71,913
baseline
▲ 0.50% · 4.625%
HK$75,703
+HK$3,790/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,826/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,143,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,593
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,883
−HK$2,325/mo
Today · 4.125%
HK$78,208
baseline
▲ 0.50% · 4.625%
HK$82,967
+HK$4,759/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$156,416/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,143,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,872
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,068
−HK$2,227/mo
Today · 4.125%
HK$86,295
baseline
▲ 0.50% · 4.625%
HK$90,844
+HK$4,549/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$172,590/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,143,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,859
−HK$5,384/mo
▼ 0.25% · 3.875%
HK$88,530
−HK$2,713/mo
Today · 4.125%
HK$91,243
baseline
▲ 0.50% · 4.625%
HK$96,795
+HK$5,552/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$182,486/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,143,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,517
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,079
−HK$2,599/mo
Today · 4.125%
HK$100,678
baseline
▲ 0.50% · 4.625%
HK$105,985
+HK$5,307/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$201,356/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,143,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,390
−HK$6,923/mo
▼ 0.25% · 3.875%
HK$113,824
−HK$3,489/mo
Today · 4.125%
HK$117,313
baseline
▲ 0.50% · 4.625%
HK$124,451
+HK$7,138/mo
Deposit HK$2.69M · loan HK$24.21M · min. income ≈ HK$234,626/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,808
−HK$6,635/mo
▼ 0.25% · 3.875%
HK$126,102
−HK$3,341/mo
Today · 4.125%
HK$129,443
baseline
▲ 0.50% · 4.625%
HK$136,266
+HK$6,823/mo
Deposit HK$2.69M · loan HK$24.21M · min. income ≈ HK$258,886/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,046 · Scale 2, in force from 26 Feb 2026)