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$61,308
−HK$3,844/mo
▼ 0.25% · 3.875%
HK$63,215
−HK$1,937/mo
Today · 4.125%
HK$65,152
baseline
▲ 0.50% · 4.625%
HK$69,117
+HK$3,965/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$130,304/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,204
−HK$3,685/mo
▼ 0.25% · 3.875%
HK$70,034
−HK$1,855/mo
Today · 4.125%
HK$71,889
baseline
▲ 0.50% · 4.625%
HK$75,679
+HK$3,790/mo
Deposit HK$13.44M · loan HK$13.44M · min. income ≈ HK$143,778/mo (50% DSR)
Upfront cash ≈ HK$14.59M (deposit + AVD stamp duty HK$1,142,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,569
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,858
−HK$2,325/mo
Today · 4.125%
HK$78,183
baseline
▲ 0.50% · 4.625%
HK$82,940
+HK$4,757/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$156,366/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,845
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,040
−HK$2,227/mo
Today · 4.125%
HK$86,267
baseline
▲ 0.50% · 4.625%
HK$90,814
+HK$4,547/mo
Deposit HK$10.75M · loan HK$16.13M · min. income ≈ HK$172,534/mo (50% DSR)
Upfront cash ≈ HK$11.90M (deposit + AVD stamp duty HK$1,142,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,831
−HK$5,382/mo
▼ 0.25% · 3.875%
HK$88,501
−HK$2,712/mo
Today · 4.125%
HK$91,213
baseline
▲ 0.50% · 4.625%
HK$96,763
+HK$5,550/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$182,426/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,486
−HK$5,159/mo
▼ 0.25% · 3.875%
HK$98,047
−HK$2,598/mo
Today · 4.125%
HK$100,645
baseline
▲ 0.50% · 4.625%
HK$105,950
+HK$5,305/mo
Deposit HK$8.07M · loan HK$18.82M · min. income ≈ HK$201,290/mo (50% DSR)
Upfront cash ≈ HK$9.21M (deposit + AVD stamp duty HK$1,142,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,354
−HK$6,920/mo
▼ 0.25% · 3.875%
HK$113,787
−HK$3,487/mo
Today · 4.125%
HK$117,274
baseline
▲ 0.50% · 4.625%
HK$124,410
+HK$7,136/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$234,548/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,671 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,768
−HK$6,633/mo
▼ 0.25% · 3.875%
HK$126,060
−HK$3,341/mo
Today · 4.125%
HK$129,401
baseline
▲ 0.50% · 4.625%
HK$136,221
+HK$6,820/mo
Deposit HK$2.69M · loan HK$24.20M · min. income ≈ HK$258,802/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$1,142,671 · Scale 2, in force from 26 Feb 2026)