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$61,795
−HK$3,875/mo
▼ 0.25% · 3.875%
HK$63,717
−HK$1,953/mo
Today · 4.125%
HK$65,670
baseline
▲ 0.50% · 4.625%
HK$69,666
+HK$3,996/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,340/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,747
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,590
−HK$1,871/mo
Today · 4.125%
HK$72,461
baseline
▲ 0.50% · 4.625%
HK$76,280
+HK$3,819/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,922/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,154
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,461
−HK$2,343/mo
Today · 4.125%
HK$78,804
baseline
▲ 0.50% · 4.625%
HK$83,599
+HK$4,795/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,608/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,496
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,708
−HK$2,245/mo
Today · 4.125%
HK$86,953
baseline
▲ 0.50% · 4.625%
HK$91,536
+HK$4,583/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,906/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,513
−HK$5,425/mo
▼ 0.25% · 3.875%
HK$89,204
−HK$2,734/mo
Today · 4.125%
HK$91,938
baseline
▲ 0.50% · 4.625%
HK$97,533
+HK$5,595/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,876/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,245
−HK$5,200/mo
▼ 0.25% · 3.875%
HK$98,826
−HK$2,619/mo
Today · 4.125%
HK$101,445
baseline
▲ 0.50% · 4.625%
HK$106,792
+HK$5,347/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,890/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,231
−HK$6,976/mo
▼ 0.25% · 3.875%
HK$114,691
−HK$3,516/mo
Today · 4.125%
HK$118,207
baseline
▲ 0.50% · 4.625%
HK$125,399
+HK$7,192/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$236,414/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,744
−HK$6,685/mo
▼ 0.25% · 3.875%
HK$127,063
−HK$3,366/mo
Today · 4.125%
HK$130,429
baseline
▲ 0.50% · 4.625%
HK$137,304
+HK$6,875/mo
Deposit HK$2.71M · loan HK$24.39M · min. income ≈ HK$260,858/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,755 · Scale 2, in force from 26 Feb 2026)