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$61,363
−HK$3,848/mo
▼ 0.25% · 3.875%
HK$63,272
−HK$1,939/mo
Today · 4.125%
HK$65,211
baseline
▲ 0.50% · 4.625%
HK$69,179
+HK$3,968/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,422/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,266
−HK$3,688/mo
▼ 0.25% · 3.875%
HK$70,097
−HK$1,857/mo
Today · 4.125%
HK$71,954
baseline
▲ 0.50% · 4.625%
HK$75,747
+HK$3,793/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,908/mo (50% DSR)
Upfront cash ≈ HK$14.60M (deposit + AVD stamp duty HK$1,143,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,636
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,926
−HK$2,327/mo
Today · 4.125%
HK$78,253
baseline
▲ 0.50% · 4.625%
HK$83,015
+HK$4,762/mo
Deposit HK$10.76M · loan HK$16.15M · min. income ≈ HK$156,506/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,919
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,116
−HK$2,229/mo
Today · 4.125%
HK$86,345
baseline
▲ 0.50% · 4.625%
HK$90,896
+HK$4,551/mo
Deposit HK$10.76M · loan HK$16.15M · min. income ≈ HK$172,690/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,143,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,908
−HK$5,388/mo
▼ 0.25% · 3.875%
HK$88,581
−HK$2,715/mo
Today · 4.125%
HK$91,296
baseline
▲ 0.50% · 4.625%
HK$96,851
+HK$5,555/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$182,592/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,572
−HK$5,164/mo
▼ 0.25% · 3.875%
HK$98,135
−HK$2,601/mo
Today · 4.125%
HK$100,736
baseline
▲ 0.50% · 4.625%
HK$106,046
+HK$5,310/mo
Deposit HK$8.07M · loan HK$18.84M · min. income ≈ HK$201,472/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,143,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,454
−HK$6,926/mo
▼ 0.25% · 3.875%
HK$113,889
−HK$3,491/mo
Today · 4.125%
HK$117,380
baseline
▲ 0.50% · 4.625%
HK$124,522
+HK$7,142/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$234,760/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,702 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,878
−HK$6,639/mo
▼ 0.25% · 3.875%
HK$126,174
−HK$3,343/mo
Today · 4.125%
HK$129,517
baseline
▲ 0.50% · 4.625%
HK$136,344
+HK$6,827/mo
Deposit HK$2.69M · loan HK$24.22M · min. income ≈ HK$259,034/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,143,702 · Scale 2, in force from 26 Feb 2026)