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$61,648
−HK$3,866/mo
▼ 0.25% · 3.875%
HK$63,566
−HK$1,948/mo
Today · 4.125%
HK$65,514
baseline
▲ 0.50% · 4.625%
HK$69,500
+HK$3,986/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,028/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,583
−HK$3,705/mo
▼ 0.25% · 3.875%
HK$70,422
−HK$1,866/mo
Today · 4.125%
HK$72,288
baseline
▲ 0.50% · 4.625%
HK$76,098
+HK$3,810/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,576/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,978
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,279
−HK$2,338/mo
Today · 4.125%
HK$78,617
baseline
▲ 0.50% · 4.625%
HK$83,400
+HK$4,783/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$157,234/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,149,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,299
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,507
−HK$2,239/mo
Today · 4.125%
HK$86,746
baseline
▲ 0.50% · 4.625%
HK$91,318
+HK$4,572/mo
Deposit HK$10.81M · loan HK$16.22M · min. income ≈ HK$173,492/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,149,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,307
−HK$5,412/mo
▼ 0.25% · 3.875%
HK$88,992
−HK$2,727/mo
Today · 4.125%
HK$91,719
baseline
▲ 0.50% · 4.625%
HK$97,300
+HK$5,581/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,438/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,016
−HK$5,187/mo
▼ 0.25% · 3.875%
HK$98,591
−HK$2,612/mo
Today · 4.125%
HK$101,203
baseline
▲ 0.50% · 4.625%
HK$106,538
+HK$5,335/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,406/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,966
−HK$6,959/mo
▼ 0.25% · 3.875%
HK$114,418
−HK$3,507/mo
Today · 4.125%
HK$117,925
baseline
▲ 0.50% · 4.625%
HK$125,100
+HK$7,175/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$235,850/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,449
−HK$6,670/mo
▼ 0.25% · 3.875%
HK$126,760
−HK$3,359/mo
Today · 4.125%
HK$130,119
baseline
▲ 0.50% · 4.625%
HK$136,977
+HK$6,858/mo
Deposit HK$2.70M · loan HK$24.33M · min. income ≈ HK$260,238/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,011 · Scale 2, in force from 26 Feb 2026)