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$61,694
−HK$3,869/mo
▼ 0.25% · 3.875%
HK$63,613
−HK$1,950/mo
Today · 4.125%
HK$65,563
baseline
▲ 0.50% · 4.625%
HK$69,552
+HK$3,989/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$131,126/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,634
−HK$3,708/mo
▼ 0.25% · 3.875%
HK$70,474
−HK$1,868/mo
Today · 4.125%
HK$72,342
baseline
▲ 0.50% · 4.625%
HK$76,155
+HK$3,813/mo
Deposit HK$13.53M · loan HK$13.53M · min. income ≈ HK$144,684/mo (50% DSR)
Upfront cash ≈ HK$14.68M (deposit + AVD stamp duty HK$1,149,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,033
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,335
−HK$2,340/mo
Today · 4.125%
HK$78,675
baseline
▲ 0.50% · 4.625%
HK$83,462
+HK$4,787/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$157,350/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,360
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,569
−HK$2,241/mo
Today · 4.125%
HK$86,810
baseline
▲ 0.50% · 4.625%
HK$91,386
+HK$4,576/mo
Deposit HK$10.82M · loan HK$16.23M · min. income ≈ HK$173,620/mo (50% DSR)
Upfront cash ≈ HK$11.97M (deposit + AVD stamp duty HK$1,149,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,371
−HK$5,417/mo
▼ 0.25% · 3.875%
HK$89,058
−HK$2,730/mo
Today · 4.125%
HK$91,788
baseline
▲ 0.50% · 4.625%
HK$97,373
+HK$5,585/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$183,576/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,087
−HK$5,191/mo
▼ 0.25% · 3.875%
HK$98,664
−HK$2,614/mo
Today · 4.125%
HK$101,278
baseline
▲ 0.50% · 4.625%
HK$106,617
+HK$5,339/mo
Deposit HK$8.12M · loan HK$18.94M · min. income ≈ HK$202,556/mo (50% DSR)
Upfront cash ≈ HK$9.27M (deposit + AVD stamp duty HK$1,149,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,049
−HK$6,964/mo
▼ 0.25% · 3.875%
HK$114,503
−HK$3,510/mo
Today · 4.125%
HK$118,013
baseline
▲ 0.50% · 4.625%
HK$125,193
+HK$7,180/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$236,026/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,541
−HK$6,674/mo
▼ 0.25% · 3.875%
HK$126,854
−HK$3,361/mo
Today · 4.125%
HK$130,215
baseline
▲ 0.50% · 4.625%
HK$137,079
+HK$6,864/mo
Deposit HK$2.71M · loan HK$24.35M · min. income ≈ HK$260,430/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,149,865 · Scale 2, in force from 26 Feb 2026)