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$61,771
−HK$3,874/mo
▼ 0.25% · 3.875%
HK$63,693
−HK$1,952/mo
Today · 4.125%
HK$65,645
baseline
▲ 0.50% · 4.625%
HK$69,639
+HK$3,994/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,290/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,720
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,563
−HK$1,869/mo
Today · 4.125%
HK$72,432
baseline
▲ 0.50% · 4.625%
HK$76,250
+HK$3,818/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,864/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,125
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,431
−HK$2,343/mo
Today · 4.125%
HK$78,774
baseline
▲ 0.50% · 4.625%
HK$83,567
+HK$4,793/mo
Deposit HK$10.84M · loan HK$16.25M · min. income ≈ HK$157,548/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,464
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,675
−HK$2,244/mo
Today · 4.125%
HK$86,919
baseline
▲ 0.50% · 4.625%
HK$91,501
+HK$4,582/mo
Deposit HK$10.84M · loan HK$16.25M · min. income ≈ HK$173,838/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,480
−HK$5,423/mo
▼ 0.25% · 3.875%
HK$89,170
−HK$2,733/mo
Today · 4.125%
HK$91,903
baseline
▲ 0.50% · 4.625%
HK$97,495
+HK$5,592/mo
Deposit HK$8.13M · loan HK$18.96M · min. income ≈ HK$183,806/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,208
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$98,788
−HK$2,617/mo
Today · 4.125%
HK$101,405
baseline
▲ 0.50% · 4.625%
HK$106,751
+HK$5,346/mo
Deposit HK$8.13M · loan HK$18.96M · min. income ≈ HK$202,810/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,188
−HK$6,972/mo
▼ 0.25% · 3.875%
HK$114,647
−HK$3,513/mo
Today · 4.125%
HK$118,160
baseline
▲ 0.50% · 4.625%
HK$125,350
+HK$7,190/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$236,320/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,695
−HK$6,683/mo
▼ 0.25% · 3.875%
HK$127,013
−HK$3,365/mo
Today · 4.125%
HK$130,378
baseline
▲ 0.50% · 4.625%
HK$137,251
+HK$6,873/mo
Deposit HK$2.71M · loan HK$24.38M · min. income ≈ HK$260,756/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,306 · Scale 2, in force from 26 Feb 2026)