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$61,777
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,699
−HK$1,952/mo
Today · 4.125%
HK$65,651
baseline
▲ 0.50% · 4.625%
HK$69,646
+HK$3,995/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,302/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,726
−HK$3,713/mo
▼ 0.25% · 3.875%
HK$70,570
−HK$1,869/mo
Today · 4.125%
HK$72,439
baseline
▲ 0.50% · 4.625%
HK$76,258
+HK$3,819/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,878/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,132
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,438
−HK$2,343/mo
Today · 4.125%
HK$78,781
baseline
▲ 0.50% · 4.625%
HK$83,575
+HK$4,794/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,562/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,472
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,683
−HK$2,244/mo
Today · 4.125%
HK$86,927
baseline
▲ 0.50% · 4.625%
HK$91,509
+HK$4,582/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,854/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,488
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$89,178
−HK$2,733/mo
Today · 4.125%
HK$91,911
baseline
▲ 0.50% · 4.625%
HK$97,504
+HK$5,593/mo
Deposit HK$8.13M · loan HK$18.96M · min. income ≈ HK$183,822/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,217
−HK$5,198/mo
▼ 0.25% · 3.875%
HK$98,797
−HK$2,618/mo
Today · 4.125%
HK$101,415
baseline
▲ 0.50% · 4.625%
HK$106,761
+HK$5,346/mo
Deposit HK$8.13M · loan HK$18.96M · min. income ≈ HK$202,830/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,199
−HK$6,973/mo
▼ 0.25% · 3.875%
HK$114,658
−HK$3,514/mo
Today · 4.125%
HK$118,172
baseline
▲ 0.50% · 4.625%
HK$125,362
+HK$7,190/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$236,344/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,707
−HK$6,684/mo
▼ 0.25% · 3.875%
HK$127,025
−HK$3,366/mo
Today · 4.125%
HK$130,391
baseline
▲ 0.50% · 4.625%
HK$137,264
+HK$6,873/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$260,782/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,417 · Scale 2, in force from 26 Feb 2026)