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$61,805
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,727
−HK$1,954/mo
Today · 4.125%
HK$65,681
baseline
▲ 0.50% · 4.625%
HK$69,677
+HK$3,996/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,362/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,757
−HK$3,715/mo
▼ 0.25% · 3.875%
HK$70,601
−HK$1,871/mo
Today · 4.125%
HK$72,472
baseline
▲ 0.50% · 4.625%
HK$76,292
+HK$3,820/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,944/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,166
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,473
−HK$2,344/mo
Today · 4.125%
HK$78,817
baseline
▲ 0.50% · 4.625%
HK$83,613
+HK$4,796/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,634/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,509
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,722
−HK$2,245/mo
Today · 4.125%
HK$86,967
baseline
▲ 0.50% · 4.625%
HK$91,551
+HK$4,584/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,934/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,527
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$89,218
−HK$2,735/mo
Today · 4.125%
HK$91,953
baseline
▲ 0.50% · 4.625%
HK$97,548
+HK$5,595/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,906/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,260
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,842
−HK$2,619/mo
Today · 4.125%
HK$101,461
baseline
▲ 0.50% · 4.625%
HK$106,809
+HK$5,348/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,922/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,249
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$114,709
−HK$3,516/mo
Today · 4.125%
HK$118,225
baseline
▲ 0.50% · 4.625%
HK$125,419
+HK$7,194/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$236,450/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,763
−HK$6,687/mo
▼ 0.25% · 3.875%
HK$127,083
−HK$3,367/mo
Today · 4.125%
HK$130,450
baseline
▲ 0.50% · 4.625%
HK$137,326
+HK$6,876/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$260,900/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,937 · Scale 2, in force from 26 Feb 2026)