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$61,705
−HK$3,870/mo
▼ 0.25% · 3.875%
HK$63,625
−HK$1,950/mo
Today · 4.125%
HK$65,575
baseline
▲ 0.50% · 4.625%
HK$69,565
+HK$3,990/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,150/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,647
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,488
−HK$1,867/mo
Today · 4.125%
HK$72,355
baseline
▲ 0.50% · 4.625%
HK$76,169
+HK$3,814/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,710/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,150,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,046
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,350
−HK$2,340/mo
Today · 4.125%
HK$78,690
baseline
▲ 0.50% · 4.625%
HK$83,478
+HK$4,788/mo
Deposit HK$10.82M · loan HK$16.24M · min. income ≈ HK$157,380/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,150,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,376
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,585
−HK$2,241/mo
Today · 4.125%
HK$86,826
baseline
▲ 0.50% · 4.625%
HK$91,403
+HK$4,577/mo
Deposit HK$10.82M · loan HK$16.24M · min. income ≈ HK$173,652/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,150,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,387
−HK$5,418/mo
▼ 0.25% · 3.875%
HK$89,075
−HK$2,730/mo
Today · 4.125%
HK$91,805
baseline
▲ 0.50% · 4.625%
HK$97,391
+HK$5,586/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,610/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,105
−HK$5,192/mo
▼ 0.25% · 3.875%
HK$98,683
−HK$2,614/mo
Today · 4.125%
HK$101,297
baseline
▲ 0.50% · 4.625%
HK$106,637
+HK$5,340/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,594/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,150,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,070
−HK$6,965/mo
▼ 0.25% · 3.875%
HK$114,525
−HK$3,510/mo
Today · 4.125%
HK$118,035
baseline
▲ 0.50% · 4.625%
HK$125,217
+HK$7,182/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$236,070/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,564
−HK$6,676/mo
▼ 0.25% · 3.875%
HK$126,878
−HK$3,362/mo
Today · 4.125%
HK$130,240
baseline
▲ 0.50% · 4.625%
HK$137,105
+HK$6,865/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$260,480/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,080 · Scale 2, in force from 26 Feb 2026)