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$61,399
−HK$3,850/mo
▼ 0.25% · 3.875%
HK$63,309
−HK$1,940/mo
Today · 4.125%
HK$65,249
baseline
▲ 0.50% · 4.625%
HK$69,220
+HK$3,971/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$130,498/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,306
−HK$3,690/mo
▼ 0.25% · 3.875%
HK$70,138
−HK$1,858/mo
Today · 4.125%
HK$71,996
baseline
▲ 0.50% · 4.625%
HK$75,791
+HK$3,795/mo
Deposit HK$13.46M · loan HK$13.46M · min. income ≈ HK$143,992/mo (50% DSR)
Upfront cash ≈ HK$14.61M (deposit + AVD stamp duty HK$1,144,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,679
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,971
−HK$2,328/mo
Today · 4.125%
HK$78,299
baseline
▲ 0.50% · 4.625%
HK$83,064
+HK$4,765/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$156,598/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,967
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,166
−HK$2,230/mo
Today · 4.125%
HK$86,396
baseline
▲ 0.50% · 4.625%
HK$90,950
+HK$4,554/mo
Deposit HK$10.77M · loan HK$16.16M · min. income ≈ HK$172,792/mo (50% DSR)
Upfront cash ≈ HK$11.91M (deposit + AVD stamp duty HK$1,144,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,959
−HK$5,390/mo
▼ 0.25% · 3.875%
HK$88,633
−HK$2,716/mo
Today · 4.125%
HK$91,349
baseline
▲ 0.50% · 4.625%
HK$96,908
+HK$5,559/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$182,698/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,628
−HK$5,167/mo
▼ 0.25% · 3.875%
HK$98,193
−HK$2,602/mo
Today · 4.125%
HK$100,795
baseline
▲ 0.50% · 4.625%
HK$106,108
+HK$5,313/mo
Deposit HK$8.08M · loan HK$18.85M · min. income ≈ HK$201,590/mo (50% DSR)
Upfront cash ≈ HK$9.22M (deposit + AVD stamp duty HK$1,144,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,519
−HK$6,930/mo
▼ 0.25% · 3.875%
HK$113,956
−HK$3,493/mo
Today · 4.125%
HK$117,449
baseline
▲ 0.50% · 4.625%
HK$124,596
+HK$7,147/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$234,898/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$122,951
−HK$6,642/mo
▼ 0.25% · 3.875%
HK$126,248
−HK$3,345/mo
Today · 4.125%
HK$129,593
baseline
▲ 0.50% · 4.625%
HK$136,424
+HK$6,831/mo
Deposit HK$2.69M · loan HK$24.23M · min. income ≈ HK$259,186/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,144,374 · Scale 2, in force from 26 Feb 2026)