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$61,531
−HK$3,858/mo
▼ 0.25% · 3.875%
HK$63,445
−HK$1,944/mo
Today · 4.125%
HK$65,389
baseline
▲ 0.50% · 4.625%
HK$69,368
+HK$3,979/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,778/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,452
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,288
−HK$1,862/mo
Today · 4.125%
HK$72,150
baseline
▲ 0.50% · 4.625%
HK$75,954
+HK$3,804/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,300/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,837
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,133
−HK$2,334/mo
Today · 4.125%
HK$78,467
baseline
▲ 0.50% · 4.625%
HK$83,241
+HK$4,774/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$156,934/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,143
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,346
−HK$2,235/mo
Today · 4.125%
HK$86,581
baseline
▲ 0.50% · 4.625%
HK$91,144
+HK$4,563/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,162/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,143
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,822
−HK$2,723/mo
Today · 4.125%
HK$91,545
baseline
▲ 0.50% · 4.625%
HK$97,115
+HK$5,570/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$183,090/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,833
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,403
−HK$2,608/mo
Today · 4.125%
HK$101,011
baseline
▲ 0.50% · 4.625%
HK$106,335
+HK$5,324/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$202,022/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,755
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$114,200
−HK$3,500/mo
Today · 4.125%
HK$117,700
baseline
▲ 0.50% · 4.625%
HK$124,862
+HK$7,162/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,400/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,824 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,214
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$126,518
−HK$3,353/mo
Today · 4.125%
HK$129,871
baseline
▲ 0.50% · 4.625%
HK$136,716
+HK$6,845/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,742/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,824 · Scale 2, in force from 26 Feb 2026)