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$61,443
−HK$3,853/mo
▼ 0.25% · 3.875%
HK$63,355
−HK$1,941/mo
Today · 4.125%
HK$65,296
baseline
▲ 0.50% · 4.625%
HK$69,270
+HK$3,974/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$130,592/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,355
−HK$3,693/mo
▼ 0.25% · 3.875%
HK$70,188
−HK$1,860/mo
Today · 4.125%
HK$72,048
baseline
▲ 0.50% · 4.625%
HK$75,846
+HK$3,798/mo
Deposit HK$13.47M · loan HK$13.47M · min. income ≈ HK$144,096/mo (50% DSR)
Upfront cash ≈ HK$14.62M (deposit + AVD stamp duty HK$1,145,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,732
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,026
−HK$2,330/mo
Today · 4.125%
HK$78,356
baseline
▲ 0.50% · 4.625%
HK$83,124
+HK$4,768/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$156,712/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,026
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,226
−HK$2,232/mo
Today · 4.125%
HK$86,458
baseline
▲ 0.50% · 4.625%
HK$91,015
+HK$4,557/mo
Deposit HK$10.78M · loan HK$16.17M · min. income ≈ HK$172,916/mo (50% DSR)
Upfront cash ≈ HK$11.92M (deposit + AVD stamp duty HK$1,145,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,021
−HK$5,394/mo
▼ 0.25% · 3.875%
HK$88,697
−HK$2,718/mo
Today · 4.125%
HK$91,415
baseline
▲ 0.50% · 4.625%
HK$96,977
+HK$5,562/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$182,830/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,697
−HK$5,171/mo
▼ 0.25% · 3.875%
HK$98,264
−HK$2,604/mo
Today · 4.125%
HK$100,868
baseline
▲ 0.50% · 4.625%
HK$106,184
+HK$5,316/mo
Deposit HK$8.08M · loan HK$18.86M · min. income ≈ HK$201,736/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,598
−HK$6,936/mo
▼ 0.25% · 3.875%
HK$114,038
−HK$3,496/mo
Today · 4.125%
HK$117,534
baseline
▲ 0.50% · 4.625%
HK$124,685
+HK$7,151/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$235,068/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,039
−HK$6,648/mo
▼ 0.25% · 3.875%
HK$126,339
−HK$3,348/mo
Today · 4.125%
HK$129,687
baseline
▲ 0.50% · 4.625%
HK$136,523
+HK$6,836/mo
Deposit HK$2.69M · loan HK$24.25M · min. income ≈ HK$259,374/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,199 · Scale 2, in force from 26 Feb 2026)