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$61,754
−HK$3,873/mo
▼ 0.25% · 3.875%
HK$63,675
−HK$1,952/mo
Today · 4.125%
HK$65,627
baseline
▲ 0.50% · 4.625%
HK$69,620
+HK$3,993/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$131,254/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,701
−HK$3,712/mo
▼ 0.25% · 3.875%
HK$70,544
−HK$1,869/mo
Today · 4.125%
HK$72,413
baseline
▲ 0.50% · 4.625%
HK$76,230
+HK$3,817/mo
Deposit HK$13.54M · loan HK$13.54M · min. income ≈ HK$144,826/mo (50% DSR)
Upfront cash ≈ HK$14.69M (deposit + AVD stamp duty HK$1,150,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,105
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,410
−HK$2,342/mo
Today · 4.125%
HK$78,752
baseline
▲ 0.50% · 4.625%
HK$83,544
+HK$4,792/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$157,504/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,441
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,652
−HK$2,243/mo
Today · 4.125%
HK$86,895
baseline
▲ 0.50% · 4.625%
HK$91,476
+HK$4,581/mo
Deposit HK$10.83M · loan HK$16.25M · min. income ≈ HK$173,790/mo (50% DSR)
Upfront cash ≈ HK$11.98M (deposit + AVD stamp duty HK$1,150,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,456
−HK$5,422/mo
▼ 0.25% · 3.875%
HK$89,145
−HK$2,733/mo
Today · 4.125%
HK$91,878
baseline
▲ 0.50% · 4.625%
HK$97,468
+HK$5,590/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$183,756/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,150,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$96,181
−HK$5,197/mo
▼ 0.25% · 3.875%
HK$98,761
−HK$2,617/mo
Today · 4.125%
HK$101,378
baseline
▲ 0.50% · 4.625%
HK$106,722
+HK$5,344/mo
Deposit HK$8.12M · loan HK$18.96M · min. income ≈ HK$202,756/mo (50% DSR)
Upfront cash ≈ HK$9.28M (deposit + AVD stamp duty HK$1,150,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,158
−HK$6,970/mo
▼ 0.25% · 3.875%
HK$114,615
−HK$3,513/mo
Today · 4.125%
HK$118,128
baseline
▲ 0.50% · 4.625%
HK$125,316
+HK$7,188/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$236,256/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,662
−HK$6,681/mo
▼ 0.25% · 3.875%
HK$126,978
−HK$3,365/mo
Today · 4.125%
HK$130,343
baseline
▲ 0.50% · 4.625%
HK$137,213
+HK$6,870/mo
Deposit HK$2.71M · loan HK$24.37M · min. income ≈ HK$260,686/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$1,150,992 · Scale 2, in force from 26 Feb 2026)