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$61,406
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,316
−HK$1,940/mo
Today · 4.125%
HK$65,256
baseline
▲ 0.50% · 4.625%
HK$69,227
+HK$3,971/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,512/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,313
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,145
−HK$1,859/mo
Today · 4.125%
HK$72,004
baseline
▲ 0.50% · 4.625%
HK$75,799
+HK$3,795/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$144,008/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,687
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,979
−HK$2,329/mo
Today · 4.125%
HK$78,308
baseline
▲ 0.50% · 4.625%
HK$83,073
+HK$4,765/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,616/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,976
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,174
−HK$2,231/mo
Today · 4.125%
HK$86,405
baseline
▲ 0.50% · 4.625%
HK$90,959
+HK$4,554/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,810/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,968
−HK$5,391/mo
▼ 0.25% · 3.875%
HK$88,642
−HK$2,717/mo
Today · 4.125%
HK$91,359
baseline
▲ 0.50% · 4.625%
HK$96,918
+HK$5,559/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,718/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,639
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$98,204
−HK$2,602/mo
Today · 4.125%
HK$100,806
baseline
▲ 0.50% · 4.625%
HK$106,119
+HK$5,313/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,612/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,530
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$113,968
−HK$3,494/mo
Today · 4.125%
HK$117,462
baseline
▲ 0.50% · 4.625%
HK$124,609
+HK$7,147/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$234,924/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,964
−HK$6,643/mo
▼ 0.25% · 3.875%
HK$126,262
−HK$3,345/mo
Today · 4.125%
HK$129,607
baseline
▲ 0.50% · 4.625%
HK$136,439
+HK$6,832/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$259,214/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,496 · Scale 2, in force from 26 Feb 2026)