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$61,738
−HK$3,871/mo
▼ 0.25% · 3.875%
HK$63,658
−HK$1,951/mo
Today · 4.125%
HK$65,609
baseline
▲ 0.50% · 4.625%
HK$69,601
+HK$3,992/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,218/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,683
−HK$3,710/mo
▼ 0.25% · 3.875%
HK$70,525
−HK$1,868/mo
Today · 4.125%
HK$72,393
baseline
▲ 0.50% · 4.625%
HK$76,209
+HK$3,816/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,786/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,085
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,390
−HK$2,341/mo
Today · 4.125%
HK$78,731
baseline
▲ 0.50% · 4.625%
HK$83,522
+HK$4,791/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$157,462/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,419
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,630
−HK$2,242/mo
Today · 4.125%
HK$86,872
baseline
▲ 0.50% · 4.625%
HK$91,451
+HK$4,579/mo
Deposit HK$10.83M · loan HK$16.24M · min. income ≈ HK$173,744/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,433
−HK$5,420/mo
▼ 0.25% · 3.875%
HK$89,121
−HK$2,732/mo
Today · 4.125%
HK$91,853
baseline
▲ 0.50% · 4.625%
HK$97,442
+HK$5,589/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$183,706/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,156
−HK$5,195/mo
▼ 0.25% · 3.875%
HK$98,735
−HK$2,616/mo
Today · 4.125%
HK$101,351
baseline
▲ 0.50% · 4.625%
HK$106,693
+HK$5,342/mo
Deposit HK$8.12M · loan HK$18.95M · min. income ≈ HK$202,702/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,128
−HK$6,969/mo
▼ 0.25% · 3.875%
HK$114,585
−HK$3,512/mo
Today · 4.125%
HK$118,097
baseline
▲ 0.50% · 4.625%
HK$125,283
+HK$7,186/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,194/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,629
−HK$6,679/mo
▼ 0.25% · 3.875%
HK$126,944
−HK$3,364/mo
Today · 4.125%
HK$130,308
baseline
▲ 0.50% · 4.625%
HK$137,177
+HK$6,869/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,616/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,685 · Scale 2, in force from 26 Feb 2026)