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$61,752
−HK$3,872/mo
▼ 0.25% · 3.875%
HK$63,673
−HK$1,951/mo
Today · 4.125%
HK$65,624
baseline
▲ 0.50% · 4.625%
HK$69,617
+HK$3,993/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,248/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,698
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,541
−HK$1,869/mo
Today · 4.125%
HK$72,410
baseline
▲ 0.50% · 4.625%
HK$76,227
+HK$3,817/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,820/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,102
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,407
−HK$2,342/mo
Today · 4.125%
HK$78,749
baseline
▲ 0.50% · 4.625%
HK$83,541
+HK$4,792/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$157,498/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,438
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,649
−HK$2,243/mo
Today · 4.125%
HK$86,892
baseline
▲ 0.50% · 4.625%
HK$91,472
+HK$4,580/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$173,784/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,453
−HK$5,421/mo
▼ 0.25% · 3.875%
HK$89,142
−HK$2,732/mo
Today · 4.125%
HK$91,874
baseline
▲ 0.50% · 4.625%
HK$97,464
+HK$5,590/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$183,748/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,150,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,178
−HK$5,196/mo
▼ 0.25% · 3.875%
HK$98,757
−HK$2,617/mo
Today · 4.125%
HK$101,374
baseline
▲ 0.50% · 4.625%
HK$106,717
+HK$5,343/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$202,748/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,150,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,153
−HK$6,971/mo
▼ 0.25% · 3.875%
HK$114,611
−HK$3,513/mo
Today · 4.125%
HK$118,124
baseline
▲ 0.50% · 4.625%
HK$125,311
+HK$7,187/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,248/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,657
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$126,974
−HK$3,364/mo
Today · 4.125%
HK$130,338
baseline
▲ 0.50% · 4.625%
HK$137,208
+HK$6,870/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,676/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,949 · Scale 2, in force from 26 Feb 2026)