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$61,352
−HK$3,847/mo
▼ 0.25% · 3.875%
HK$63,260
−HK$1,939/mo
Today · 4.125%
HK$65,199
baseline
▲ 0.50% · 4.625%
HK$69,166
+HK$3,967/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,398/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,253
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,084
−HK$1,857/mo
Today · 4.125%
HK$71,941
baseline
▲ 0.50% · 4.625%
HK$75,733
+HK$3,792/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,882/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,622
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,912
−HK$2,327/mo
Today · 4.125%
HK$78,239
baseline
▲ 0.50% · 4.625%
HK$83,000
+HK$4,761/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$156,478/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,904
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,101
−HK$2,228/mo
Today · 4.125%
HK$86,329
baseline
▲ 0.50% · 4.625%
HK$90,879
+HK$4,550/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$172,658/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,893
−HK$5,386/mo
▼ 0.25% · 3.875%
HK$88,564
−HK$2,715/mo
Today · 4.125%
HK$91,279
baseline
▲ 0.50% · 4.625%
HK$96,833
+HK$5,554/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$182,558/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,555
−HK$5,162/mo
▼ 0.25% · 3.875%
HK$98,117
−HK$2,600/mo
Today · 4.125%
HK$100,717
baseline
▲ 0.50% · 4.625%
HK$106,026
+HK$5,309/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$201,434/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,433
−HK$6,925/mo
▼ 0.25% · 3.875%
HK$113,868
−HK$3,490/mo
Today · 4.125%
HK$117,358
baseline
▲ 0.50% · 4.625%
HK$124,499
+HK$7,141/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$234,716/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,856
−HK$6,637/mo
▼ 0.25% · 3.875%
HK$126,151
−HK$3,342/mo
Today · 4.125%
HK$129,493
baseline
▲ 0.50% · 4.625%
HK$136,319
+HK$6,826/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$258,986/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,491 · Scale 2, in force from 26 Feb 2026)