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$61,500
−HK$3,856/mo
▼ 0.25% · 3.875%
HK$63,413
−HK$1,943/mo
Today · 4.125%
HK$65,356
baseline
▲ 0.50% · 4.625%
HK$69,333
+HK$3,977/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,712/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,418
−HK$3,696/mo
▼ 0.25% · 3.875%
HK$70,253
−HK$1,861/mo
Today · 4.125%
HK$72,114
baseline
▲ 0.50% · 4.625%
HK$75,916
+HK$3,802/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,228/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,146,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,800
−HK$4,628/mo
▼ 0.25% · 3.875%
HK$76,095
−HK$2,333/mo
Today · 4.125%
HK$78,428
baseline
▲ 0.50% · 4.625%
HK$83,200
+HK$4,772/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$156,856/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,146,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,102
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,304
−HK$2,233/mo
Today · 4.125%
HK$86,537
baseline
▲ 0.50% · 4.625%
HK$91,099
+HK$4,562/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$173,074/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,146,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,100
−HK$5,399/mo
▼ 0.25% · 3.875%
HK$88,778
−HK$2,721/mo
Today · 4.125%
HK$91,499
baseline
▲ 0.50% · 4.625%
HK$97,067
+HK$5,568/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$182,998/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,785
−HK$5,175/mo
▼ 0.25% · 3.875%
HK$98,354
−HK$2,606/mo
Today · 4.125%
HK$100,960
baseline
▲ 0.50% · 4.625%
HK$106,282
+HK$5,322/mo
Deposit HK$8.09M · loan HK$18.88M · min. income ≈ HK$201,920/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,700
−HK$6,942/mo
▼ 0.25% · 3.875%
HK$114,143
−HK$3,499/mo
Today · 4.125%
HK$117,642
baseline
▲ 0.50% · 4.625%
HK$124,800
+HK$7,158/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$235,284/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,152
−HK$6,654/mo
▼ 0.25% · 3.875%
HK$126,455
−HK$3,351/mo
Today · 4.125%
HK$129,806
baseline
▲ 0.50% · 4.625%
HK$136,648
+HK$6,842/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$259,612/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,146,251 · Scale 2, in force from 26 Feb 2026)