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$61,601
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,517
−HK$1,947/mo
Today · 4.125%
HK$65,464
baseline
▲ 0.50% · 4.625%
HK$69,447
+HK$3,983/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,928/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,530
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,368
−HK$1,865/mo
Today · 4.125%
HK$72,233
baseline
▲ 0.50% · 4.625%
HK$76,040
+HK$3,807/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,466/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,921
−HK$4,635/mo
▼ 0.25% · 3.875%
HK$76,220
−HK$2,336/mo
Today · 4.125%
HK$78,556
baseline
▲ 0.50% · 4.625%
HK$83,336
+HK$4,780/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,112/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,148,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,236
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,442
−HK$2,237/mo
Today · 4.125%
HK$86,679
baseline
▲ 0.50% · 4.625%
HK$91,248
+HK$4,569/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,358/mo (50% DSR)
Upfront cash ≈ HK$11.95M (deposit + AVD stamp duty HK$1,148,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,241
−HK$5,408/mo
▼ 0.25% · 3.875%
HK$88,924
−HK$2,725/mo
Today · 4.125%
HK$91,649
baseline
▲ 0.50% · 4.625%
HK$97,226
+HK$5,577/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$183,298/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,942
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$98,515
−HK$2,611/mo
Today · 4.125%
HK$101,126
baseline
▲ 0.50% · 4.625%
HK$106,456
+HK$5,330/mo
Deposit HK$8.10M · loan HK$18.91M · min. income ≈ HK$202,252/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,881
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$114,330
−HK$3,505/mo
Today · 4.125%
HK$117,835
baseline
▲ 0.50% · 4.625%
HK$125,005
+HK$7,170/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$235,670/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,354
−HK$6,665/mo
▼ 0.25% · 3.875%
HK$126,663
−HK$3,356/mo
Today · 4.125%
HK$130,019
baseline
▲ 0.50% · 4.625%
HK$136,872
+HK$6,853/mo
Deposit HK$2.70M · loan HK$24.31M · min. income ≈ HK$260,038/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,131 · Scale 2, in force from 26 Feb 2026)