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$61,372
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,281
−HK$1,939/mo
Today · 4.125%
HK$65,220
baseline
▲ 0.50% · 4.625%
HK$69,189
+HK$3,969/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,440/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,275
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,106
−HK$1,858/mo
Today · 4.125%
HK$71,964
baseline
▲ 0.50% · 4.625%
HK$75,757
+HK$3,793/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,928/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,646
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,937
−HK$2,327/mo
Today · 4.125%
HK$78,264
baseline
▲ 0.50% · 4.625%
HK$83,026
+HK$4,762/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,528/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,930
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,128
−HK$2,229/mo
Today · 4.125%
HK$86,357
baseline
▲ 0.50% · 4.625%
HK$90,909
+HK$4,552/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,714/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,920
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,593
−HK$2,715/mo
Today · 4.125%
HK$91,308
baseline
▲ 0.50% · 4.625%
HK$96,864
+HK$5,556/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$182,616/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,585
−HK$5,165/mo
▼ 0.25% · 3.875%
HK$98,149
−HK$2,601/mo
Today · 4.125%
HK$100,750
baseline
▲ 0.50% · 4.625%
HK$106,060
+HK$5,310/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$201,500/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,469
−HK$6,927/mo
▼ 0.25% · 3.875%
HK$113,905
−HK$3,491/mo
Today · 4.125%
HK$117,396
baseline
▲ 0.50% · 4.625%
HK$124,540
+HK$7,144/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$234,792/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,143,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,896
−HK$6,639/mo
▼ 0.25% · 3.875%
HK$126,192
−HK$3,343/mo
Today · 4.125%
HK$129,535
baseline
▲ 0.50% · 4.625%
HK$136,363
+HK$6,828/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$259,070/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,143,861 · Scale 2, in force from 26 Feb 2026)