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$61,603
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,519
−HK$1,947/mo
Today · 4.125%
HK$65,466
baseline
▲ 0.50% · 4.625%
HK$69,449
+HK$3,983/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,932/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,533
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,371
−HK$1,864/mo
Today · 4.125%
HK$72,235
baseline
▲ 0.50% · 4.625%
HK$76,043
+HK$3,808/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,470/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,924
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,223
−HK$2,336/mo
Today · 4.125%
HK$78,559
baseline
▲ 0.50% · 4.625%
HK$83,339
+HK$4,780/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,118/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,148,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,239
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,445
−HK$2,237/mo
Today · 4.125%
HK$86,682
baseline
▲ 0.50% · 4.625%
HK$91,251
+HK$4,569/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,364/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,148,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,244
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$88,927
−HK$2,725/mo
Today · 4.125%
HK$91,652
baseline
▲ 0.50% · 4.625%
HK$97,229
+HK$5,577/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$183,304/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,946
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,519
−HK$2,610/mo
Today · 4.125%
HK$101,129
baseline
▲ 0.50% · 4.625%
HK$106,460
+HK$5,331/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$202,258/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,885
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$114,334
−HK$3,505/mo
Today · 4.125%
HK$117,839
baseline
▲ 0.50% · 4.625%
HK$125,009
+HK$7,170/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$235,678/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,359
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$126,667
−HK$3,357/mo
Today · 4.125%
HK$130,024
baseline
▲ 0.50% · 4.625%
HK$136,877
+HK$6,853/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$260,048/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,172 · Scale 2, in force from 26 Feb 2026)