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$61,621
−HK$3,864/mo
▼ 0.25% · 3.875%
HK$63,538
−HK$1,947/mo
Today · 4.125%
HK$65,485
baseline
▲ 0.50% · 4.625%
HK$69,470
+HK$3,985/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,970/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,553
−HK$3,704/mo
▼ 0.25% · 3.875%
HK$70,392
−HK$1,865/mo
Today · 4.125%
HK$72,257
baseline
▲ 0.50% · 4.625%
HK$76,065
+HK$3,808/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,514/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,945
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,246
−HK$2,336/mo
Today · 4.125%
HK$78,582
baseline
▲ 0.50% · 4.625%
HK$83,364
+HK$4,782/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,164/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,264
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,470
−HK$2,238/mo
Today · 4.125%
HK$86,708
baseline
▲ 0.50% · 4.625%
HK$91,278
+HK$4,570/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,416/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,270
−HK$5,410/mo
▼ 0.25% · 3.875%
HK$88,953
−HK$2,727/mo
Today · 4.125%
HK$91,680
baseline
▲ 0.50% · 4.625%
HK$97,258
+HK$5,578/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$183,360/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,974
−HK$5,185/mo
▼ 0.25% · 3.875%
HK$98,548
−HK$2,611/mo
Today · 4.125%
HK$101,159
baseline
▲ 0.50% · 4.625%
HK$106,492
+HK$5,333/mo
Deposit HK$8.11M · loan HK$18.92M · min. income ≈ HK$202,318/mo (50% DSR)
Upfront cash ≈ HK$9.26M (deposit + AVD stamp duty HK$1,148,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,918
−HK$6,956/mo
▼ 0.25% · 3.875%
HK$114,368
−HK$3,506/mo
Today · 4.125%
HK$117,874
baseline
▲ 0.50% · 4.625%
HK$125,046
+HK$7,172/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,748/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,395
−HK$6,667/mo
▼ 0.25% · 3.875%
HK$126,705
−HK$3,357/mo
Today · 4.125%
HK$130,062
baseline
▲ 0.50% · 4.625%
HK$136,918
+HK$6,856/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,124/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,512 · Scale 2, in force from 26 Feb 2026)