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$61,536
−HK$3,859/mo
▼ 0.25% · 3.875%
HK$63,451
−HK$1,944/mo
Today · 4.125%
HK$65,395
baseline
▲ 0.50% · 4.625%
HK$69,374
+HK$3,979/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$130,790/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,459
−HK$3,698/mo
▼ 0.25% · 3.875%
HK$70,295
−HK$1,862/mo
Today · 4.125%
HK$72,157
baseline
▲ 0.50% · 4.625%
HK$75,961
+HK$3,804/mo
Deposit HK$13.49M · loan HK$13.49M · min. income ≈ HK$144,314/mo (50% DSR)
Upfront cash ≈ HK$14.64M (deposit + AVD stamp duty HK$1,146,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,844
−HK$4,630/mo
▼ 0.25% · 3.875%
HK$76,141
−HK$2,333/mo
Today · 4.125%
HK$78,474
baseline
▲ 0.50% · 4.625%
HK$83,249
+HK$4,775/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$156,948/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,150
−HK$4,439/mo
▼ 0.25% · 3.875%
HK$84,354
−HK$2,235/mo
Today · 4.125%
HK$86,589
baseline
▲ 0.50% · 4.625%
HK$91,153
+HK$4,564/mo
Deposit HK$10.79M · loan HK$16.19M · min. income ≈ HK$173,178/mo (50% DSR)
Upfront cash ≈ HK$11.94M (deposit + AVD stamp duty HK$1,146,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,151
−HK$5,402/mo
▼ 0.25% · 3.875%
HK$88,831
−HK$2,722/mo
Today · 4.125%
HK$91,553
baseline
▲ 0.50% · 4.625%
HK$97,124
+HK$5,571/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$183,106/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,842
−HK$5,178/mo
▼ 0.25% · 3.875%
HK$98,413
−HK$2,607/mo
Today · 4.125%
HK$101,020
baseline
▲ 0.50% · 4.625%
HK$106,345
+HK$5,325/mo
Deposit HK$8.10M · loan HK$18.89M · min. income ≈ HK$202,040/mo (50% DSR)
Upfront cash ≈ HK$9.24M (deposit + AVD stamp duty HK$1,146,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,766
−HK$6,946/mo
▼ 0.25% · 3.875%
HK$114,211
−HK$3,501/mo
Today · 4.125%
HK$117,712
baseline
▲ 0.50% · 4.625%
HK$124,874
+HK$7,162/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$235,424/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,226
−HK$6,657/mo
▼ 0.25% · 3.875%
HK$126,530
−HK$3,353/mo
Today · 4.125%
HK$129,883
baseline
▲ 0.50% · 4.625%
HK$136,729
+HK$6,846/mo
Deposit HK$2.70M · loan HK$24.29M · min. income ≈ HK$259,766/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,146,932 · Scale 2, in force from 26 Feb 2026)