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$61,389
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,299
−HK$1,940/mo
Today · 4.125%
HK$65,239
baseline
▲ 0.50% · 4.625%
HK$69,209
+HK$3,970/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,478/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,295
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,127
−HK$1,858/mo
Today · 4.125%
HK$71,985
baseline
▲ 0.50% · 4.625%
HK$75,779
+HK$3,794/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,970/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,667
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,959
−HK$2,328/mo
Today · 4.125%
HK$78,287
baseline
▲ 0.50% · 4.625%
HK$83,050
+HK$4,763/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$156,574/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,954
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,152
−HK$2,230/mo
Today · 4.125%
HK$86,382
baseline
▲ 0.50% · 4.625%
HK$90,935
+HK$4,553/mo
Deposit HK$10.77M · loan HK$16.15M · min. income ≈ HK$172,764/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,945
−HK$5,389/mo
▼ 0.25% · 3.875%
HK$88,618
−HK$2,716/mo
Today · 4.125%
HK$91,334
baseline
▲ 0.50% · 4.625%
HK$96,892
+HK$5,558/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,668/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,613
−HK$5,166/mo
▼ 0.25% · 3.875%
HK$98,177
−HK$2,602/mo
Today · 4.125%
HK$100,779
baseline
▲ 0.50% · 4.625%
HK$106,091
+HK$5,312/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,558/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,501
−HK$6,929/mo
▼ 0.25% · 3.875%
HK$113,938
−HK$3,492/mo
Today · 4.125%
HK$117,430
baseline
▲ 0.50% · 4.625%
HK$124,575
+HK$7,145/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,860/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,931
−HK$6,641/mo
▼ 0.25% · 3.875%
HK$126,228
−HK$3,344/mo
Today · 4.125%
HK$129,572
baseline
▲ 0.50% · 4.625%
HK$136,402
+HK$6,830/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,144/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,189 · Scale 2, in force from 26 Feb 2026)