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$61,527
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,441
−HK$1,945/mo
Today · 4.125%
HK$65,386
baseline
▲ 0.50% · 4.625%
HK$69,364
+HK$3,978/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,772/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,449
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,284
−HK$1,863/mo
Today · 4.125%
HK$72,147
baseline
▲ 0.50% · 4.625%
HK$75,950
+HK$3,803/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,294/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,833
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,130
−HK$2,333/mo
Today · 4.125%
HK$78,463
baseline
▲ 0.50% · 4.625%
HK$83,237
+HK$4,774/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$156,926/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,138
−HK$4,438/mo
▼ 0.25% · 3.875%
HK$84,341
−HK$2,235/mo
Today · 4.125%
HK$86,576
baseline
▲ 0.50% · 4.625%
HK$91,140
+HK$4,564/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,152/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,138
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,818
−HK$2,722/mo
Today · 4.125%
HK$91,540
baseline
▲ 0.50% · 4.625%
HK$97,110
+HK$5,570/mo
Deposit HK$8.09M · loan HK$18.89M · min. income ≈ HK$183,080/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,828
−HK$5,177/mo
▼ 0.25% · 3.875%
HK$98,398
−HK$2,607/mo
Today · 4.125%
HK$101,005
baseline
▲ 0.50% · 4.625%
HK$106,329
+HK$5,324/mo
Deposit HK$8.09M · loan HK$18.89M · min. income ≈ HK$202,010/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,749
−HK$6,945/mo
▼ 0.25% · 3.875%
HK$114,194
−HK$3,500/mo
Today · 4.125%
HK$117,694
baseline
▲ 0.50% · 4.625%
HK$124,856
+HK$7,162/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$235,388/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,208
−HK$6,656/mo
▼ 0.25% · 3.875%
HK$126,512
−HK$3,352/mo
Today · 4.125%
HK$129,864
baseline
▲ 0.50% · 4.625%
HK$136,709
+HK$6,845/mo
Deposit HK$2.70M · loan HK$24.28M · min. income ≈ HK$259,728/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,764 · Scale 2, in force from 26 Feb 2026)