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$61,359
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,267
−HK$1,940/mo
Today · 4.125%
HK$65,207
baseline
▲ 0.50% · 4.625%
HK$69,174
+HK$3,967/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,414/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,261
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,092
−HK$1,857/mo
Today · 4.125%
HK$71,949
baseline
▲ 0.50% · 4.625%
HK$75,742
+HK$3,793/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,898/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,631
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,921
−HK$2,327/mo
Today · 4.125%
HK$78,248
baseline
▲ 0.50% · 4.625%
HK$83,009
+HK$4,761/mo
Deposit HK$10.76M · loan HK$16.15M · min. income ≈ HK$156,496/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,913
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,110
−HK$2,229/mo
Today · 4.125%
HK$86,339
baseline
▲ 0.50% · 4.625%
HK$90,890
+HK$4,551/mo
Deposit HK$10.76M · loan HK$16.15M · min. income ≈ HK$172,678/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,902
−HK$5,387/mo
▼ 0.25% · 3.875%
HK$88,574
−HK$2,715/mo
Today · 4.125%
HK$91,289
baseline
▲ 0.50% · 4.625%
HK$96,844
+HK$5,555/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$182,578/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,566
−HK$5,163/mo
▼ 0.25% · 3.875%
HK$98,129
−HK$2,600/mo
Today · 4.125%
HK$100,729
baseline
▲ 0.50% · 4.625%
HK$106,038
+HK$5,309/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$201,458/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,446
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$113,881
−HK$3,491/mo
Today · 4.125%
HK$117,372
baseline
▲ 0.50% · 4.625%
HK$124,514
+HK$7,142/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$234,744/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,870
−HK$6,638/mo
▼ 0.25% · 3.875%
HK$126,165
−HK$3,343/mo
Today · 4.125%
HK$129,508
baseline
▲ 0.50% · 4.625%
HK$136,335
+HK$6,827/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$259,016/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,623 · Scale 2, in force from 26 Feb 2026)