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$61,374
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,283
−HK$1,939/mo
Today · 4.125%
HK$65,222
baseline
▲ 0.50% · 4.625%
HK$69,191
+HK$3,969/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,444/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,278
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,109
−HK$1,857/mo
Today · 4.125%
HK$71,966
baseline
▲ 0.50% · 4.625%
HK$75,760
+HK$3,794/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,932/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,648
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,939
−HK$2,328/mo
Today · 4.125%
HK$78,267
baseline
▲ 0.50% · 4.625%
HK$83,029
+HK$4,762/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,534/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,933
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,131
−HK$2,229/mo
Today · 4.125%
HK$86,360
baseline
▲ 0.50% · 4.625%
HK$90,912
+HK$4,552/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,720/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,923
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,596
−HK$2,715/mo
Today · 4.125%
HK$91,311
baseline
▲ 0.50% · 4.625%
HK$96,867
+HK$5,556/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$182,622/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,589
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$98,152
−HK$2,601/mo
Today · 4.125%
HK$100,753
baseline
▲ 0.50% · 4.625%
HK$106,064
+HK$5,311/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$201,506/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,473
−HK$6,927/mo
▼ 0.25% · 3.875%
HK$113,909
−HK$3,491/mo
Today · 4.125%
HK$117,400
baseline
▲ 0.50% · 4.625%
HK$124,544
+HK$7,144/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$234,800/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,143,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,900
−HK$6,640/mo
▼ 0.25% · 3.875%
HK$126,196
−HK$3,344/mo
Today · 4.125%
HK$129,540
baseline
▲ 0.50% · 4.625%
HK$136,368
+HK$6,828/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$259,080/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,143,899 · Scale 2, in force from 26 Feb 2026)