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$61,703
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,622
−HK$1,950/mo
Today · 4.125%
HK$65,572
baseline
▲ 0.50% · 4.625%
HK$69,562
+HK$3,990/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,144/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,644
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,485
−HK$1,867/mo
Today · 4.125%
HK$72,352
baseline
▲ 0.50% · 4.625%
HK$76,166
+HK$3,814/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,704/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,043
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,346
−HK$2,340/mo
Today · 4.125%
HK$78,686
baseline
▲ 0.50% · 4.625%
HK$83,474
+HK$4,788/mo
Deposit HK$10.82M · loan HK$16.24M · min. income ≈ HK$157,372/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,150,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,372
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,582
−HK$2,241/mo
Today · 4.125%
HK$86,823
baseline
▲ 0.50% · 4.625%
HK$91,399
+HK$4,576/mo
Deposit HK$10.82M · loan HK$16.24M · min. income ≈ HK$173,646/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,150,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,384
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$89,071
−HK$2,730/mo
Today · 4.125%
HK$91,801
baseline
▲ 0.50% · 4.625%
HK$97,387
+HK$5,586/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,602/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,101
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,679
−HK$2,614/mo
Today · 4.125%
HK$101,293
baseline
▲ 0.50% · 4.625%
HK$106,633
+HK$5,340/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,586/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,065
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$114,520
−HK$3,510/mo
Today · 4.125%
HK$118,030
baseline
▲ 0.50% · 4.625%
HK$125,212
+HK$7,182/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$236,060/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,559
−HK$6,675/mo
▼ 0.25% · 3.875%
HK$126,872
−HK$3,362/mo
Today · 4.125%
HK$130,234
baseline
▲ 0.50% · 4.625%
HK$137,099
+HK$6,865/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$260,468/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,032 · Scale 2, in force from 26 Feb 2026)