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$61,658
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,576
−HK$1,949/mo
Today · 4.125%
HK$65,525
baseline
▲ 0.50% · 4.625%
HK$69,512
+HK$3,987/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,050/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,594
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,434
−HK$1,866/mo
Today · 4.125%
HK$72,300
baseline
▲ 0.50% · 4.625%
HK$76,111
+HK$3,811/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,600/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,990
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,292
−HK$2,338/mo
Today · 4.125%
HK$78,630
baseline
▲ 0.50% · 4.625%
HK$83,414
+HK$4,784/mo
Deposit HK$10.82M · loan HK$16.22M · min. income ≈ HK$157,260/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,313
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,521
−HK$2,239/mo
Today · 4.125%
HK$86,760
baseline
▲ 0.50% · 4.625%
HK$91,334
+HK$4,574/mo
Deposit HK$10.82M · loan HK$16.22M · min. income ≈ HK$173,520/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,322
−HK$5,413/mo
▼ 0.25% · 3.875%
HK$89,007
−HK$2,728/mo
Today · 4.125%
HK$91,735
baseline
▲ 0.50% · 4.625%
HK$97,317
+HK$5,582/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,470/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,032
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$98,608
−HK$2,613/mo
Today · 4.125%
HK$101,221
baseline
▲ 0.50% · 4.625%
HK$106,556
+HK$5,335/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,442/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,985
−HK$6,960/mo
▼ 0.25% · 3.875%
HK$114,438
−HK$3,507/mo
Today · 4.125%
HK$117,945
baseline
▲ 0.50% · 4.625%
HK$125,122
+HK$7,177/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,890/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,470
−HK$6,671/mo
▼ 0.25% · 3.875%
HK$126,781
−HK$3,360/mo
Today · 4.125%
HK$130,141
baseline
▲ 0.50% · 4.625%
HK$137,001
+HK$6,860/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,282/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,207 · Scale 2, in force from 26 Feb 2026)