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$61,482
−HK$3,855/mo
▼ 0.25% · 3.875%
HK$63,394
−HK$1,943/mo
Today · 4.125%
HK$65,337
baseline
▲ 0.50% · 4.625%
HK$69,313
+HK$3,976/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$130,674/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,398
−HK$3,695/mo
▼ 0.25% · 3.875%
HK$70,232
−HK$1,861/mo
Today · 4.125%
HK$72,093
baseline
▲ 0.50% · 4.625%
HK$75,893
+HK$3,800/mo
Deposit HK$13.48M · loan HK$13.48M · min. income ≈ HK$144,186/mo (50% DSR)
Upfront cash ≈ HK$14.63M (deposit + AVD stamp duty HK$1,145,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,778
−HK$4,627/mo
▼ 0.25% · 3.875%
HK$76,073
−HK$2,332/mo
Today · 4.125%
HK$78,405
baseline
▲ 0.50% · 4.625%
HK$83,175
+HK$4,770/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$156,810/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,077
−HK$4,435/mo
▼ 0.25% · 3.875%
HK$84,279
−HK$2,233/mo
Today · 4.125%
HK$86,512
baseline
▲ 0.50% · 4.625%
HK$91,072
+HK$4,560/mo
Deposit HK$10.79M · loan HK$16.18M · min. income ≈ HK$173,024/mo (50% DSR)
Upfront cash ≈ HK$11.93M (deposit + AVD stamp duty HK$1,145,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,074
−HK$5,398/mo
▼ 0.25% · 3.875%
HK$88,752
−HK$2,720/mo
Today · 4.125%
HK$91,472
baseline
▲ 0.50% · 4.625%
HK$97,038
+HK$5,566/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$182,944/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,757
−HK$5,173/mo
▼ 0.25% · 3.875%
HK$98,325
−HK$2,605/mo
Today · 4.125%
HK$100,930
baseline
▲ 0.50% · 4.625%
HK$106,251
+HK$5,321/mo
Deposit HK$8.09M · loan HK$18.87M · min. income ≈ HK$201,860/mo (50% DSR)
Upfront cash ≈ HK$9.23M (deposit + AVD stamp duty HK$1,145,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,667
−HK$6,940/mo
▼ 0.25% · 3.875%
HK$114,110
−HK$3,497/mo
Today · 4.125%
HK$117,607
baseline
▲ 0.50% · 4.625%
HK$124,763
+HK$7,156/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$235,214/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,116
−HK$6,652/mo
▼ 0.25% · 3.875%
HK$126,418
−HK$3,350/mo
Today · 4.125%
HK$129,768
baseline
▲ 0.50% · 4.625%
HK$136,608
+HK$6,840/mo
Deposit HK$2.70M · loan HK$24.27M · min. income ≈ HK$259,536/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$1,145,913 · Scale 2, in force from 26 Feb 2026)