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$61,542
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,456
−HK$1,945/mo
Today · 4.125%
HK$65,401
baseline
▲ 0.50% · 4.625%
HK$69,380
+HK$3,979/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,802/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,147,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,464
−HK$3,699/mo
▼ 0.25% · 3.875%
HK$70,301
−HK$1,862/mo
Today · 4.125%
HK$72,163
baseline
▲ 0.50% · 4.625%
HK$75,967
+HK$3,804/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,326/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,147,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,850
−HK$4,631/mo
▼ 0.25% · 3.875%
HK$76,147
−HK$2,334/mo
Today · 4.125%
HK$78,481
baseline
▲ 0.50% · 4.625%
HK$83,256
+HK$4,775/mo
Deposit HK$10.80M · loan HK$16.19M · min. income ≈ HK$156,962/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,147,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,157
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,361
−HK$2,235/mo
Today · 4.125%
HK$86,596
baseline
▲ 0.50% · 4.625%
HK$91,161
+HK$4,565/mo
Deposit HK$10.80M · loan HK$16.19M · min. income ≈ HK$173,192/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,147,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,158
−HK$5,403/mo
▼ 0.25% · 3.875%
HK$88,838
−HK$2,723/mo
Today · 4.125%
HK$91,561
baseline
▲ 0.50% · 4.625%
HK$97,132
+HK$5,571/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$183,122/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,147,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,850
−HK$5,179/mo
▼ 0.25% · 3.875%
HK$98,421
−HK$2,608/mo
Today · 4.125%
HK$101,029
baseline
▲ 0.50% · 4.625%
HK$106,354
+HK$5,325/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$202,058/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,147,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,775
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$114,221
−HK$3,500/mo
Today · 4.125%
HK$117,721
baseline
▲ 0.50% · 4.625%
HK$124,884
+HK$7,163/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,442/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,236
−HK$6,658/mo
▼ 0.25% · 3.875%
HK$126,541
−HK$3,353/mo
Today · 4.125%
HK$129,894
baseline
▲ 0.50% · 4.625%
HK$136,741
+HK$6,847/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,788/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,147,028 · Scale 2, in force from 26 Feb 2026)