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$61,612
−HK$3,863/mo
▼ 0.25% · 3.875%
HK$63,528
−HK$1,947/mo
Today · 4.125%
HK$65,475
baseline
▲ 0.50% · 4.625%
HK$69,459
+HK$3,984/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$130,950/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,542
−HK$3,703/mo
▼ 0.25% · 3.875%
HK$70,380
−HK$1,865/mo
Today · 4.125%
HK$72,245
baseline
▲ 0.50% · 4.625%
HK$76,053
+HK$3,808/mo
Deposit HK$13.51M · loan HK$13.51M · min. income ≈ HK$144,490/mo (50% DSR)
Upfront cash ≈ HK$14.66M (deposit + AVD stamp duty HK$1,148,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,934
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,234
−HK$2,336/mo
Today · 4.125%
HK$78,570
baseline
▲ 0.50% · 4.625%
HK$83,351
+HK$4,781/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$157,140/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,251
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,457
−HK$2,237/mo
Today · 4.125%
HK$86,694
baseline
▲ 0.50% · 4.625%
HK$91,264
+HK$4,570/mo
Deposit HK$10.81M · loan HK$16.21M · min. income ≈ HK$173,388/mo (50% DSR)
Upfront cash ≈ HK$11.96M (deposit + AVD stamp duty HK$1,148,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,256
−HK$5,409/mo
▼ 0.25% · 3.875%
HK$88,939
−HK$2,726/mo
Today · 4.125%
HK$91,665
baseline
▲ 0.50% · 4.625%
HK$97,243
+HK$5,578/mo
Deposit HK$8.11M · loan HK$18.91M · min. income ≈ HK$183,330/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,959
−HK$5,184/mo
▼ 0.25% · 3.875%
HK$98,533
−HK$2,610/mo
Today · 4.125%
HK$101,143
baseline
▲ 0.50% · 4.625%
HK$106,475
+HK$5,332/mo
Deposit HK$8.11M · loan HK$18.91M · min. income ≈ HK$202,286/mo (50% DSR)
Upfront cash ≈ HK$9.25M (deposit + AVD stamp duty HK$1,148,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$110,901
−HK$6,954/mo
▼ 0.25% · 3.875%
HK$114,350
−HK$3,505/mo
Today · 4.125%
HK$117,855
baseline
▲ 0.50% · 4.625%
HK$125,026
+HK$7,171/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$235,710/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,376
−HK$6,666/mo
▼ 0.25% · 3.875%
HK$126,685
−HK$3,357/mo
Today · 4.125%
HK$130,042
baseline
▲ 0.50% · 4.625%
HK$136,896
+HK$6,854/mo
Deposit HK$2.70M · loan HK$24.32M · min. income ≈ HK$260,084/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$1,148,332 · Scale 2, in force from 26 Feb 2026)