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$61,808
−HK$3,876/mo
▼ 0.25% · 3.875%
HK$63,730
−HK$1,954/mo
Today · 4.125%
HK$65,684
baseline
▲ 0.50% · 4.625%
HK$69,680
+HK$3,996/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$131,368/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,761
−HK$3,714/mo
▼ 0.25% · 3.875%
HK$70,605
−HK$1,870/mo
Today · 4.125%
HK$72,475
baseline
▲ 0.50% · 4.625%
HK$76,296
+HK$3,821/mo
Deposit HK$13.55M · loan HK$13.55M · min. income ≈ HK$144,950/mo (50% DSR)
Upfront cash ≈ HK$14.70M (deposit + AVD stamp duty HK$1,151,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,169
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,476
−HK$2,344/mo
Today · 4.125%
HK$78,820
baseline
▲ 0.50% · 4.625%
HK$83,616
+HK$4,796/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$157,640/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,513
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,726
−HK$2,245/mo
Today · 4.125%
HK$86,971
baseline
▲ 0.50% · 4.625%
HK$91,555
+HK$4,584/mo
Deposit HK$10.84M · loan HK$16.26M · min. income ≈ HK$173,942/mo (50% DSR)
Upfront cash ≈ HK$11.99M (deposit + AVD stamp duty HK$1,151,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,531
−HK$5,426/mo
▼ 0.25% · 3.875%
HK$89,223
−HK$2,734/mo
Today · 4.125%
HK$91,957
baseline
▲ 0.50% · 4.625%
HK$97,553
+HK$5,596/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$183,914/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,265
−HK$5,201/mo
▼ 0.25% · 3.875%
HK$98,847
−HK$2,619/mo
Today · 4.125%
HK$101,466
baseline
▲ 0.50% · 4.625%
HK$106,814
+HK$5,348/mo
Deposit HK$8.13M · loan HK$18.97M · min. income ≈ HK$202,932/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,151,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,254
−HK$6,977/mo
▼ 0.25% · 3.875%
HK$114,715
−HK$3,516/mo
Today · 4.125%
HK$118,231
baseline
▲ 0.50% · 4.625%
HK$125,425
+HK$7,194/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$236,462/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,769
−HK$6,687/mo
▼ 0.25% · 3.875%
HK$127,088
−HK$3,368/mo
Today · 4.125%
HK$130,456
baseline
▲ 0.50% · 4.625%
HK$137,332
+HK$6,876/mo
Deposit HK$2.71M · loan HK$24.40M · min. income ≈ HK$260,912/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,151,990 · Scale 2, in force from 26 Feb 2026)