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$61,340
−HK$3,846/mo
▼ 0.25% · 3.875%
HK$63,248
−HK$1,938/mo
Today · 4.125%
HK$65,186
baseline
▲ 0.50% · 4.625%
HK$69,153
+HK$3,967/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$130,372/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,143,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,240
−HK$3,687/mo
▼ 0.25% · 3.875%
HK$70,070
−HK$1,857/mo
Today · 4.125%
HK$71,927
baseline
▲ 0.50% · 4.625%
HK$75,718
+HK$3,791/mo
Deposit HK$13.45M · loan HK$13.45M · min. income ≈ HK$143,854/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,143,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,608
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,897
−HK$2,326/mo
Today · 4.125%
HK$78,223
baseline
▲ 0.50% · 4.625%
HK$82,983
+HK$4,760/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$156,446/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,143,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,888
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,084
−HK$2,228/mo
Today · 4.125%
HK$86,312
baseline
▲ 0.50% · 4.625%
HK$90,861
+HK$4,549/mo
Deposit HK$10.76M · loan HK$16.14M · min. income ≈ HK$172,624/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,143,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,876
−HK$5,385/mo
▼ 0.25% · 3.875%
HK$88,547
−HK$2,714/mo
Today · 4.125%
HK$91,261
baseline
▲ 0.50% · 4.625%
HK$96,814
+HK$5,553/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$182,522/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,143,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,536
−HK$5,161/mo
▼ 0.25% · 3.875%
HK$98,098
−HK$2,599/mo
Today · 4.125%
HK$100,697
baseline
▲ 0.50% · 4.625%
HK$106,005
+HK$5,308/mo
Deposit HK$8.07M · loan HK$18.83M · min. income ≈ HK$201,394/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,143,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,411
−HK$6,924/mo
▼ 0.25% · 3.875%
HK$113,846
−HK$3,489/mo
Today · 4.125%
HK$117,335
baseline
▲ 0.50% · 4.625%
HK$124,475
+HK$7,140/mo
Deposit HK$2.69M · loan HK$24.21M · min. income ≈ HK$234,670/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,832
−HK$6,636/mo
▼ 0.25% · 3.875%
HK$126,126
−HK$3,342/mo
Today · 4.125%
HK$129,468
baseline
▲ 0.50% · 4.625%
HK$136,292
+HK$6,824/mo
Deposit HK$2.69M · loan HK$24.21M · min. income ≈ HK$258,936/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,264 · Scale 2, in force from 26 Feb 2026)