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$61,668
−HK$3,867/mo
▼ 0.25% · 3.875%
HK$63,586
−HK$1,949/mo
Today · 4.125%
HK$65,535
baseline
▲ 0.50% · 4.625%
HK$69,523
+HK$3,988/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$131,070/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,605
−HK$3,706/mo
▼ 0.25% · 3.875%
HK$70,445
−HK$1,866/mo
Today · 4.125%
HK$72,311
baseline
▲ 0.50% · 4.625%
HK$76,123
+HK$3,812/mo
Deposit HK$13.52M · loan HK$13.52M · min. income ≈ HK$144,622/mo (50% DSR)
Upfront cash ≈ HK$14.67M (deposit + AVD stamp duty HK$1,149,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,002
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,303
−HK$2,339/mo
Today · 4.125%
HK$78,642
baseline
▲ 0.50% · 4.625%
HK$83,427
+HK$4,785/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,284/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,326
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,534
−HK$2,240/mo
Today · 4.125%
HK$86,774
baseline
▲ 0.50% · 4.625%
HK$91,348
+HK$4,574/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,548/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,335
−HK$5,414/mo
▼ 0.25% · 3.875%
HK$89,021
−HK$2,728/mo
Today · 4.125%
HK$91,749
baseline
▲ 0.50% · 4.625%
HK$97,332
+HK$5,583/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$183,498/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,047
−HK$5,189/mo
▼ 0.25% · 3.875%
HK$98,623
−HK$2,613/mo
Today · 4.125%
HK$101,236
baseline
▲ 0.50% · 4.625%
HK$106,572
+HK$5,336/mo
Deposit HK$8.11M · loan HK$18.93M · min. income ≈ HK$202,472/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,149,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,002
−HK$6,961/mo
▼ 0.25% · 3.875%
HK$114,455
−HK$3,508/mo
Today · 4.125%
HK$117,963
baseline
▲ 0.50% · 4.625%
HK$125,141
+HK$7,178/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$235,926/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,489
−HK$6,672/mo
▼ 0.25% · 3.875%
HK$126,801
−HK$3,360/mo
Today · 4.125%
HK$130,161
baseline
▲ 0.50% · 4.625%
HK$137,022
+HK$6,861/mo
Deposit HK$2.70M · loan HK$24.34M · min. income ≈ HK$260,322/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,149,383 · Scale 2, in force from 26 Feb 2026)