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$61,714
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,634
−HK$1,950/mo
Today · 4.125%
HK$65,584
baseline
▲ 0.50% · 4.625%
HK$69,575
+HK$3,991/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,168/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,657
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,498
−HK$1,868/mo
Today · 4.125%
HK$72,366
baseline
▲ 0.50% · 4.625%
HK$76,180
+HK$3,814/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,732/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,057
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,361
−HK$2,340/mo
Today · 4.125%
HK$78,701
baseline
▲ 0.50% · 4.625%
HK$83,490
+HK$4,789/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$157,402/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,388
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,598
−HK$2,241/mo
Today · 4.125%
HK$86,839
baseline
▲ 0.50% · 4.625%
HK$91,417
+HK$4,578/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$173,678/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,400
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,088
−HK$2,730/mo
Today · 4.125%
HK$91,818
baseline
▲ 0.50% · 4.625%
HK$97,405
+HK$5,587/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,636/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,119
−HK$5,193/mo
▼ 0.25% · 3.875%
HK$98,697
−HK$2,615/mo
Today · 4.125%
HK$101,312
baseline
▲ 0.50% · 4.625%
HK$106,653
+HK$5,341/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,624/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,086
−HK$6,966/mo
▼ 0.25% · 3.875%
HK$114,541
−HK$3,511/mo
Today · 4.125%
HK$118,052
baseline
▲ 0.50% · 4.625%
HK$125,235
+HK$7,183/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$236,104/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,582
−HK$6,677/mo
▼ 0.25% · 3.875%
HK$126,896
−HK$3,363/mo
Today · 4.125%
HK$130,259
baseline
▲ 0.50% · 4.625%
HK$137,125
+HK$6,866/mo
Deposit HK$2.71M · loan HK$24.36M · min. income ≈ HK$260,518/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,250 · Scale 2, in force from 26 Feb 2026)