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$61,540
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,454
−HK$1,945/mo
Today · 4.125%
HK$65,399
baseline
▲ 0.50% · 4.625%
HK$69,378
+HK$3,979/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,798/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,462
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,298
−HK$1,863/mo
Today · 4.125%
HK$72,161
baseline
▲ 0.50% · 4.625%
HK$75,965
+HK$3,804/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,322/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,847
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,145
−HK$2,333/mo
Today · 4.125%
HK$78,478
baseline
▲ 0.50% · 4.625%
HK$83,254
+HK$4,776/mo
Deposit HK$10.80M · loan HK$16.19M · min. income ≈ HK$156,956/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,155
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,358
−HK$2,235/mo
Today · 4.125%
HK$86,593
baseline
▲ 0.50% · 4.625%
HK$91,158
+HK$4,565/mo
Deposit HK$10.80M · loan HK$16.19M · min. income ≈ HK$173,186/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,155
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$88,835
−HK$2,723/mo
Today · 4.125%
HK$91,558
baseline
▲ 0.50% · 4.625%
HK$97,129
+HK$5,571/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$183,116/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,847
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,418
−HK$2,607/mo
Today · 4.125%
HK$101,025
baseline
▲ 0.50% · 4.625%
HK$106,350
+HK$5,325/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$202,050/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,771
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$114,217
−HK$3,500/mo
Today · 4.125%
HK$117,717
baseline
▲ 0.50% · 4.625%
HK$124,880
+HK$7,163/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,434/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,232
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$126,537
−HK$3,353/mo
Today · 4.125%
HK$129,890
baseline
▲ 0.50% · 4.625%
HK$136,736
+HK$6,846/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,780/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,990 · Scale 2, in force from 26 Feb 2026)