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$61,410
−HK$3,851/mo
▼ 0.25% · 3.875%
HK$63,320
−HK$1,941/mo
Today · 4.125%
HK$65,261
baseline
▲ 0.50% · 4.625%
HK$69,232
+HK$3,971/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,522/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,318
−HK$3,691/mo
▼ 0.25% · 3.875%
HK$70,151
−HK$1,858/mo
Today · 4.125%
HK$72,009
baseline
▲ 0.50% · 4.625%
HK$75,805
+HK$3,796/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,018/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,692
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,985
−HK$2,328/mo
Today · 4.125%
HK$78,313
baseline
▲ 0.50% · 4.625%
HK$83,079
+HK$4,766/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,626/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,982
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,181
−HK$2,230/mo
Today · 4.125%
HK$86,411
baseline
▲ 0.50% · 4.625%
HK$90,966
+HK$4,555/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,822/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,144,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,974
−HK$5,392/mo
▼ 0.25% · 3.875%
HK$88,649
−HK$2,717/mo
Today · 4.125%
HK$91,366
baseline
▲ 0.50% · 4.625%
HK$96,925
+HK$5,559/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,732/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,646
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$98,211
−HK$2,602/mo
Today · 4.125%
HK$100,813
baseline
▲ 0.50% · 4.625%
HK$106,127
+HK$5,314/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,626/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,538
−HK$6,932/mo
▼ 0.25% · 3.875%
HK$113,977
−HK$3,493/mo
Today · 4.125%
HK$117,470
baseline
▲ 0.50% · 4.625%
HK$124,618
+HK$7,148/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$234,940/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,973
−HK$6,644/mo
▼ 0.25% · 3.875%
HK$126,271
−HK$3,346/mo
Today · 4.125%
HK$129,617
baseline
▲ 0.50% · 4.625%
HK$136,449
+HK$6,832/mo
Deposit HK$2.69M · loan HK$24.24M · min. income ≈ HK$259,234/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,581 · Scale 2, in force from 26 Feb 2026)