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$61,591
−HK$3,862/mo
▼ 0.25% · 3.875%
HK$63,507
−HK$1,946/mo
Today · 4.125%
HK$65,453
baseline
▲ 0.50% · 4.625%
HK$69,436
+HK$3,983/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,906/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,519
−HK$3,702/mo
▼ 0.25% · 3.875%
HK$70,357
−HK$1,864/mo
Today · 4.125%
HK$72,221
baseline
▲ 0.50% · 4.625%
HK$76,028
+HK$3,807/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,442/mo (50% DSR)
Upfront cash ≈ HK$14.65M (deposit + AVD stamp duty HK$1,147,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,909
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,208
−HK$2,336/mo
Today · 4.125%
HK$78,544
baseline
▲ 0.50% · 4.625%
HK$83,323
+HK$4,779/mo
Deposit HK$10.80M · loan HK$16.21M · min. income ≈ HK$157,088/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,223
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,428
−HK$2,238/mo
Today · 4.125%
HK$86,666
baseline
▲ 0.50% · 4.625%
HK$91,234
+HK$4,568/mo
Deposit HK$10.80M · loan HK$16.21M · min. income ≈ HK$173,332/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,147,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,227
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$88,910
−HK$2,725/mo
Today · 4.125%
HK$91,635
baseline
▲ 0.50% · 4.625%
HK$97,210
+HK$5,575/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$183,270/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,927
−HK$5,183/mo
▼ 0.25% · 3.875%
HK$98,500
−HK$2,610/mo
Today · 4.125%
HK$101,110
baseline
▲ 0.50% · 4.625%
HK$106,439
+HK$5,329/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$202,220/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,147,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,864
−HK$6,952/mo
▼ 0.25% · 3.875%
HK$114,312
−HK$3,504/mo
Today · 4.125%
HK$117,816
baseline
▲ 0.50% · 4.625%
HK$124,985
+HK$7,169/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$235,632/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,335
−HK$6,663/mo
▼ 0.25% · 3.875%
HK$126,643
−HK$3,355/mo
Today · 4.125%
HK$129,998
baseline
▲ 0.50% · 4.625%
HK$136,851
+HK$6,853/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$259,996/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,950 · Scale 2, in force from 26 Feb 2026)