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$61,700
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,619
−HK$1,950/mo
Today · 4.125%
HK$65,569
baseline
▲ 0.50% · 4.625%
HK$69,559
+HK$3,990/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,138/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,640
−HK$3,709/mo
▼ 0.25% · 3.875%
HK$70,481
−HK$1,868/mo
Today · 4.125%
HK$72,349
baseline
▲ 0.50% · 4.625%
HK$76,162
+HK$3,813/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,698/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,040
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,343
−HK$2,340/mo
Today · 4.125%
HK$78,683
baseline
▲ 0.50% · 4.625%
HK$83,470
+HK$4,787/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,366/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,368
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,578
−HK$2,241/mo
Today · 4.125%
HK$86,819
baseline
▲ 0.50% · 4.625%
HK$91,395
+HK$4,576/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,638/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,380
−HK$5,416/mo
▼ 0.25% · 3.875%
HK$89,067
−HK$2,729/mo
Today · 4.125%
HK$91,796
baseline
▲ 0.50% · 4.625%
HK$97,382
+HK$5,586/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,592/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,097
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$98,674
−HK$2,614/mo
Today · 4.125%
HK$101,288
baseline
▲ 0.50% · 4.625%
HK$106,627
+HK$5,339/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,576/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,060
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$114,514
−HK$3,510/mo
Today · 4.125%
HK$118,024
baseline
▲ 0.50% · 4.625%
HK$125,205
+HK$7,181/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$236,048/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,553
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$126,866
−HK$3,362/mo
Today · 4.125%
HK$130,228
baseline
▲ 0.50% · 4.625%
HK$137,092
+HK$6,864/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$260,456/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,977 · Scale 2, in force from 26 Feb 2026)