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$61,495
−HK$3,857/mo
▼ 0.25% · 3.875%
HK$63,408
−HK$1,944/mo
Today · 4.125%
HK$65,352
baseline
▲ 0.50% · 4.625%
HK$69,328
+HK$3,976/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,704/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,413
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,248
−HK$1,861/mo
Today · 4.125%
HK$72,109
baseline
▲ 0.50% · 4.625%
HK$75,910
+HK$3,801/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,218/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,794
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,090
−HK$2,332/mo
Today · 4.125%
HK$78,422
baseline
▲ 0.50% · 4.625%
HK$83,194
+HK$4,772/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$156,844/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,146,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,095
−HK$4,436/mo
▼ 0.25% · 3.875%
HK$84,297
−HK$2,234/mo
Today · 4.125%
HK$86,531
baseline
▲ 0.50% · 4.625%
HK$91,092
+HK$4,561/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$173,062/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,146,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,093
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,771
−HK$2,721/mo
Today · 4.125%
HK$91,492
baseline
▲ 0.50% · 4.625%
HK$97,059
+HK$5,567/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$182,984/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,778
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,347
−HK$2,606/mo
Today · 4.125%
HK$100,953
baseline
▲ 0.50% · 4.625%
HK$106,274
+HK$5,321/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$201,906/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,691
−HK$6,942/mo
▼ 0.25% · 3.875%
HK$114,135
−HK$3,498/mo
Today · 4.125%
HK$117,633
baseline
▲ 0.50% · 4.625%
HK$124,790
+HK$7,157/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$235,266/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,143
−HK$6,653/mo
▼ 0.25% · 3.875%
HK$126,446
−HK$3,350/mo
Today · 4.125%
HK$129,796
baseline
▲ 0.50% · 4.625%
HK$136,638
+HK$6,842/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$259,592/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,164 · Scale 2, in force from 26 Feb 2026)