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$61,712
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,631
−HK$1,950/mo
Today · 4.125%
HK$65,581
baseline
▲ 0.50% · 4.625%
HK$69,572
+HK$3,991/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,162/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,653
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,495
−HK$1,868/mo
Today · 4.125%
HK$72,363
baseline
▲ 0.50% · 4.625%
HK$76,177
+HK$3,814/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,726/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,054
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,357
−HK$2,341/mo
Today · 4.125%
HK$78,698
baseline
▲ 0.50% · 4.625%
HK$83,486
+HK$4,788/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$157,396/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,384
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,594
−HK$2,241/mo
Today · 4.125%
HK$86,835
baseline
▲ 0.50% · 4.625%
HK$91,412
+HK$4,577/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$173,670/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,396
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,084
−HK$2,730/mo
Today · 4.125%
HK$91,814
baseline
▲ 0.50% · 4.625%
HK$97,401
+HK$5,587/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,628/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,115
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,693
−HK$2,615/mo
Today · 4.125%
HK$101,308
baseline
▲ 0.50% · 4.625%
HK$106,648
+HK$5,340/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,616/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,081
−HK$6,966/mo
▼ 0.25% · 3.875%
HK$114,536
−HK$3,511/mo
Today · 4.125%
HK$118,047
baseline
▲ 0.50% · 4.625%
HK$125,229
+HK$7,182/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$236,094/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,576
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$126,890
−HK$3,363/mo
Today · 4.125%
HK$130,253
baseline
▲ 0.50% · 4.625%
HK$137,118
+HK$6,865/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$260,506/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,196 · Scale 2, in force from 26 Feb 2026)