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$61,517
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,430
−HK$1,944/mo
Today · 4.125%
HK$65,374
baseline
▲ 0.50% · 4.625%
HK$69,352
+HK$3,978/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,748/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,437
−HK$3,697/mo
▼ 0.25% · 3.875%
HK$70,272
−HK$1,862/mo
Today · 4.125%
HK$72,134
baseline
▲ 0.50% · 4.625%
HK$75,936
+HK$3,802/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,268/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,820
−HK$4,629/mo
▼ 0.25% · 3.875%
HK$76,116
−HK$2,333/mo
Today · 4.125%
HK$78,449
baseline
▲ 0.50% · 4.625%
HK$83,223
+HK$4,774/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$156,898/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,124
−HK$4,437/mo
▼ 0.25% · 3.875%
HK$84,327
−HK$2,234/mo
Today · 4.125%
HK$86,561
baseline
▲ 0.50% · 4.625%
HK$91,124
+HK$4,563/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,122/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,123
−HK$5,401/mo
▼ 0.25% · 3.875%
HK$88,802
−HK$2,722/mo
Today · 4.125%
HK$91,524
baseline
▲ 0.50% · 4.625%
HK$97,093
+HK$5,569/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$183,048/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,811
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,381
−HK$2,607/mo
Today · 4.125%
HK$100,988
baseline
▲ 0.50% · 4.625%
HK$106,311
+HK$5,323/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$201,976/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,730
−HK$6,944/mo
▼ 0.25% · 3.875%
HK$114,174
−HK$3,500/mo
Today · 4.125%
HK$117,674
baseline
▲ 0.50% · 4.625%
HK$124,834
+HK$7,160/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$235,348/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,186
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$126,490
−HK$3,352/mo
Today · 4.125%
HK$129,842
baseline
▲ 0.50% · 4.625%
HK$136,686
+HK$6,844/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$259,684/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,565 · Scale 2, in force from 26 Feb 2026)