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$61,420
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,330
−HK$1,941/mo
Today · 4.125%
HK$65,271
baseline
▲ 0.50% · 4.625%
HK$69,243
+HK$3,972/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,542/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,329
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,161
−HK$1,859/mo
Today · 4.125%
HK$72,020
baseline
▲ 0.50% · 4.625%
HK$75,817
+HK$3,797/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,040/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,703
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$75,996
−HK$2,329/mo
Today · 4.125%
HK$78,325
baseline
▲ 0.50% · 4.625%
HK$83,091
+HK$4,766/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,650/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,994
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,193
−HK$2,231/mo
Today · 4.125%
HK$86,424
baseline
▲ 0.50% · 4.625%
HK$90,980
+HK$4,556/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,848/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,987
−HK$5,393/mo
▼ 0.25% · 3.875%
HK$88,662
−HK$2,718/mo
Today · 4.125%
HK$91,380
baseline
▲ 0.50% · 4.625%
HK$96,940
+HK$5,560/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,760/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,144,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,660
−HK$5,168/mo
▼ 0.25% · 3.875%
HK$98,226
−HK$2,602/mo
Today · 4.125%
HK$100,828
baseline
▲ 0.50% · 4.625%
HK$106,143
+HK$5,315/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,656/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,144,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,555
−HK$6,933/mo
▼ 0.25% · 3.875%
HK$113,994
−HK$3,494/mo
Today · 4.125%
HK$117,488
baseline
▲ 0.50% · 4.625%
HK$124,637
+HK$7,149/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$234,976/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,992
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$126,290
−HK$3,346/mo
Today · 4.125%
HK$129,636
baseline
▲ 0.50% · 4.625%
HK$136,470
+HK$6,834/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$259,272/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,754 · Scale 2, in force from 26 Feb 2026)