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$61,676
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,594
−HK$1,949/mo
Today · 4.125%
HK$65,543
baseline
▲ 0.50% · 4.625%
HK$69,531
+HK$3,988/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,086/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,613
−HK$3,707/mo
▼ 0.25% · 3.875%
HK$70,454
−HK$1,866/mo
Today · 4.125%
HK$72,320
baseline
▲ 0.50% · 4.625%
HK$76,133
+HK$3,813/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,640/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,011
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,313
−HK$2,339/mo
Today · 4.125%
HK$78,652
baseline
▲ 0.50% · 4.625%
HK$83,438
+HK$4,786/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,304/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,336
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,544
−HK$2,241/mo
Today · 4.125%
HK$86,785
baseline
▲ 0.50% · 4.625%
HK$91,359
+HK$4,574/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,570/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,346
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,032
−HK$2,728/mo
Today · 4.125%
HK$91,760
baseline
▲ 0.50% · 4.625%
HK$97,344
+HK$5,584/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,520/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,059
−HK$5,190/mo
▼ 0.25% · 3.875%
HK$98,635
−HK$2,614/mo
Today · 4.125%
HK$101,249
baseline
▲ 0.50% · 4.625%
HK$106,586
+HK$5,337/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,498/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,016
−HK$6,962/mo
▼ 0.25% · 3.875%
HK$114,469
−HK$3,509/mo
Today · 4.125%
HK$117,978
baseline
▲ 0.50% · 4.625%
HK$125,156
+HK$7,178/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,956/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,504
−HK$6,673/mo
▼ 0.25% · 3.875%
HK$126,817
−HK$3,360/mo
Today · 4.125%
HK$130,177
baseline
▲ 0.50% · 4.625%
HK$137,039
+HK$6,862/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,354/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,526 · Scale 2, in force from 26 Feb 2026)