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$61,701
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,620
−HK$1,950/mo
Today · 4.125%
HK$65,570
baseline
▲ 0.50% · 4.625%
HK$69,560
+HK$3,990/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,140/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,641
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,482
−HK$1,868/mo
Today · 4.125%
HK$72,350
baseline
▲ 0.50% · 4.625%
HK$76,164
+HK$3,814/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,700/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,041
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,344
−HK$2,340/mo
Today · 4.125%
HK$78,684
baseline
▲ 0.50% · 4.625%
HK$83,472
+HK$4,788/mo
Deposit HK$10.82M · loan HK$16.24M · min. income ≈ HK$157,368/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,370
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,579
−HK$2,241/mo
Today · 4.125%
HK$86,820
baseline
▲ 0.50% · 4.625%
HK$91,396
+HK$4,576/mo
Deposit HK$10.82M · loan HK$16.24M · min. income ≈ HK$173,640/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,381
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$89,068
−HK$2,730/mo
Today · 4.125%
HK$91,798
baseline
▲ 0.50% · 4.625%
HK$97,384
+HK$5,586/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,596/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,098
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,675
−HK$2,615/mo
Today · 4.125%
HK$101,290
baseline
▲ 0.50% · 4.625%
HK$106,629
+HK$5,339/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,580/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,061
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$114,516
−HK$3,510/mo
Today · 4.125%
HK$118,026
baseline
▲ 0.50% · 4.625%
HK$125,207
+HK$7,181/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$236,052/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,555
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$126,868
−HK$3,362/mo
Today · 4.125%
HK$130,230
baseline
▲ 0.50% · 4.625%
HK$137,094
+HK$6,864/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$260,460/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,994 · Scale 2, in force from 26 Feb 2026)