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$61,389
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,298
−HK$1,941/mo
Today · 4.125%
HK$65,239
baseline
▲ 0.50% · 4.625%
HK$69,208
+HK$3,969/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,478/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,295
−HK$3,689/mo
▼ 0.25% · 3.875%
HK$70,126
−HK$1,858/mo
Today · 4.125%
HK$71,984
baseline
▲ 0.50% · 4.625%
HK$75,779
+HK$3,795/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,968/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,667
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,958
−HK$2,328/mo
Today · 4.125%
HK$78,286
baseline
▲ 0.50% · 4.625%
HK$83,050
+HK$4,764/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,572/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,954
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,151
−HK$2,230/mo
Today · 4.125%
HK$86,381
baseline
▲ 0.50% · 4.625%
HK$90,934
+HK$4,553/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,762/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,945
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,618
−HK$2,716/mo
Today · 4.125%
HK$91,334
baseline
▲ 0.50% · 4.625%
HK$96,891
+HK$5,557/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,668/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,612
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,177
−HK$2,601/mo
Today · 4.125%
HK$100,778
baseline
▲ 0.50% · 4.625%
HK$106,090
+HK$5,312/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,556/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,500
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$113,937
−HK$3,492/mo
Today · 4.125%
HK$117,429
baseline
▲ 0.50% · 4.625%
HK$124,575
+HK$7,146/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,858/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,930
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$126,227
−HK$3,345/mo
Today · 4.125%
HK$129,572
baseline
▲ 0.50% · 4.625%
HK$136,402
+HK$6,830/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,144/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,183 · Scale 2, in force from 26 Feb 2026)