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$61,670
−HK$3,868/mo
▼ 0.25% · 3.875%
HK$63,589
−HK$1,949/mo
Today · 4.125%
HK$65,538
baseline
▲ 0.50% · 4.625%
HK$69,526
+HK$3,988/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,076/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,608
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,448
−HK$1,866/mo
Today · 4.125%
HK$72,314
baseline
▲ 0.50% · 4.625%
HK$76,126
+HK$3,812/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,628/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,005
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,307
−HK$2,338/mo
Today · 4.125%
HK$78,645
baseline
▲ 0.50% · 4.625%
HK$83,431
+HK$4,786/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,290/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,329
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,537
−HK$2,240/mo
Today · 4.125%
HK$86,777
baseline
▲ 0.50% · 4.625%
HK$91,352
+HK$4,575/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,554/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,339
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,024
−HK$2,729/mo
Today · 4.125%
HK$91,753
baseline
▲ 0.50% · 4.625%
HK$97,336
+HK$5,583/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,506/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,051
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$98,627
−HK$2,613/mo
Today · 4.125%
HK$101,240
baseline
▲ 0.50% · 4.625%
HK$106,577
+HK$5,337/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,480/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,007
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$114,460
−HK$3,508/mo
Today · 4.125%
HK$117,968
baseline
▲ 0.50% · 4.625%
HK$125,146
+HK$7,178/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,936/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,494
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$126,806
−HK$3,360/mo
Today · 4.125%
HK$130,166
baseline
▲ 0.50% · 4.625%
HK$137,027
+HK$6,861/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,332/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,431 · Scale 2, in force from 26 Feb 2026)