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$61,310
−HK$3,845/mo
▼ 0.25% · 3.875%
HK$63,217
−HK$1,938/mo
Today · 4.125%
HK$65,155
baseline
▲ 0.50% · 4.625%
HK$69,119
+HK$3,964/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,310/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,207
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,036
−HK$1,856/mo
Today · 4.125%
HK$71,892
baseline
▲ 0.50% · 4.625%
HK$75,681
+HK$3,789/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,784/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,572
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,861
−HK$2,325/mo
Today · 4.125%
HK$78,186
baseline
▲ 0.50% · 4.625%
HK$82,943
+HK$4,757/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,372/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,848
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,043
−HK$2,227/mo
Today · 4.125%
HK$86,270
baseline
▲ 0.50% · 4.625%
HK$90,818
+HK$4,548/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$172,540/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,834
−HK$5,383/mo
▼ 0.25% · 3.875%
HK$88,504
−HK$2,713/mo
Today · 4.125%
HK$91,217
baseline
▲ 0.50% · 4.625%
HK$96,767
+HK$5,550/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$182,434/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,489
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,050
−HK$2,598/mo
Today · 4.125%
HK$100,648
baseline
▲ 0.50% · 4.625%
HK$105,954
+HK$5,306/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$201,296/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,358
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$113,791
−HK$3,487/mo
Today · 4.125%
HK$117,278
baseline
▲ 0.50% · 4.625%
HK$124,415
+HK$7,137/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,556/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,712 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,772
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$126,065
−HK$3,340/mo
Today · 4.125%
HK$129,405
baseline
▲ 0.50% · 4.625%
HK$136,226
+HK$6,821/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,810/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,712 · Scale 2, in force from 26 Feb 2026)