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$61,653
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,571
−HK$1,948/mo
Today · 4.125%
HK$65,519
baseline
▲ 0.50% · 4.625%
HK$69,506
+HK$3,987/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,038/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,588
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,428
−HK$1,866/mo
Today · 4.125%
HK$72,294
baseline
▲ 0.50% · 4.625%
HK$76,105
+HK$3,811/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,588/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,984
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,285
−HK$2,338/mo
Today · 4.125%
HK$78,623
baseline
▲ 0.50% · 4.625%
HK$83,407
+HK$4,784/mo
Deposit HK$10.82M · loan HK$16.22M · min. income ≈ HK$157,246/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,149,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,306
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,513
−HK$2,240/mo
Today · 4.125%
HK$86,753
baseline
▲ 0.50% · 4.625%
HK$91,326
+HK$4,573/mo
Deposit HK$10.82M · loan HK$16.22M · min. income ≈ HK$173,506/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,149,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,314
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$88,999
−HK$2,728/mo
Today · 4.125%
HK$91,727
baseline
▲ 0.50% · 4.625%
HK$97,308
+HK$5,581/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,454/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,024
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$98,599
−HK$2,612/mo
Today · 4.125%
HK$101,211
baseline
▲ 0.50% · 4.625%
HK$106,546
+HK$5,335/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,422/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,975
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$114,427
−HK$3,507/mo
Today · 4.125%
HK$117,934
baseline
▲ 0.50% · 4.625%
HK$125,110
+HK$7,176/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$235,868/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,459
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$126,770
−HK$3,359/mo
Today · 4.125%
HK$130,129
baseline
▲ 0.50% · 4.625%
HK$136,988
+HK$6,859/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$260,258/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,104 · Scale 2, in force from 26 Feb 2026)