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$61,467
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,379
−HK$1,943/mo
Today · 4.125%
HK$65,322
baseline
▲ 0.50% · 4.625%
HK$69,297
+HK$3,975/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,644/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,382
−HK$3,694/mo
▼ 0.25% · 3.875%
HK$70,216
−HK$1,860/mo
Today · 4.125%
HK$72,076
baseline
▲ 0.50% · 4.625%
HK$75,876
+HK$3,800/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,152/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,761
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,055
−HK$2,331/mo
Today · 4.125%
HK$78,386
baseline
▲ 0.50% · 4.625%
HK$83,156
+HK$4,770/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,772/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,058
−HK$4,434/mo
▼ 0.25% · 3.875%
HK$84,259
−HK$2,233/mo
Today · 4.125%
HK$86,492
baseline
▲ 0.50% · 4.625%
HK$91,051
+HK$4,559/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,984/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,054
−HK$5,397/mo
▼ 0.25% · 3.875%
HK$88,731
−HK$2,720/mo
Today · 4.125%
HK$91,451
baseline
▲ 0.50% · 4.625%
HK$97,015
+HK$5,564/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,902/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,735
−HK$5,172/mo
▼ 0.25% · 3.875%
HK$98,302
−HK$2,605/mo
Today · 4.125%
HK$100,907
baseline
▲ 0.50% · 4.625%
HK$106,226
+HK$5,319/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,814/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,641
−HK$6,938/mo
▼ 0.25% · 3.875%
HK$114,083
−HK$3,496/mo
Today · 4.125%
HK$117,579
baseline
▲ 0.50% · 4.625%
HK$124,734
+HK$7,155/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$235,158/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,087
−HK$6,650/mo
▼ 0.25% · 3.875%
HK$126,388
−HK$3,349/mo
Today · 4.125%
HK$129,737
baseline
▲ 0.50% · 4.625%
HK$136,576
+HK$6,839/mo
Deposit HK$2.70M · loan HK$24.26M · min. income ≈ HK$259,474/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,645 · Scale 2, in force from 26 Feb 2026)