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$61,440
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,351
−HK$1,942/mo
Today · 4.125%
HK$65,293
baseline
▲ 0.50% · 4.625%
HK$69,265
+HK$3,972/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,586/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,351
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,184
−HK$1,860/mo
Today · 4.125%
HK$72,044
baseline
▲ 0.50% · 4.625%
HK$75,841
+HK$3,797/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,088/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,728
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,021
−HK$2,330/mo
Today · 4.125%
HK$78,351
baseline
▲ 0.50% · 4.625%
HK$83,119
+HK$4,768/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,702/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,021
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,221
−HK$2,232/mo
Today · 4.125%
HK$86,453
baseline
▲ 0.50% · 4.625%
HK$91,010
+HK$4,557/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,906/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,016
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,691
−HK$2,719/mo
Today · 4.125%
HK$91,410
baseline
▲ 0.50% · 4.625%
HK$96,972
+HK$5,562/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,820/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,692
−HK$5,169/mo
▼ 0.25% · 3.875%
HK$98,258
−HK$2,603/mo
Today · 4.125%
HK$100,861
baseline
▲ 0.50% · 4.625%
HK$106,178
+HK$5,317/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,722/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,592
−HK$6,935/mo
▼ 0.25% · 3.875%
HK$114,032
−HK$3,495/mo
Today · 4.125%
HK$117,527
baseline
▲ 0.50% · 4.625%
HK$124,678
+HK$7,151/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$235,054/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,032
−HK$6,647/mo
▼ 0.25% · 3.875%
HK$126,332
−HK$3,347/mo
Today · 4.125%
HK$129,679
baseline
▲ 0.50% · 4.625%
HK$136,515
+HK$6,836/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$259,358/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,130 · Scale 2, in force from 26 Feb 2026)